TheDinarian
News • Business • Investing & Finance
đŸ’„Your real-time guide to real-time paymentsđŸ’„
November 10, 2022
post photo preview

(In Mastercard News)

For the last century or so, cash and checks have been the methods of choice for doing business, although more recently, electronic bank transfers have allowed us to make payments directly from our bank accounts instead.

But even today, checks can still take a day or longer to clear, and the speed of electronic bank transfers are dependent on a country’s banking infrastructure. Traditionally, they have been processed in large batches once a day or several times a day and didn’t process electronic payments at all at night or on weekends.

This slowness can create significant uncertainty, especially for people struggling to make ends meet or for small business owners, who rely on receiving payments promptly to support their cash flow. And for economies where cash is still king, there is the constant risk of theft, the inability of  businesses to scale beyond their communities, and the murkiness of untraceable transactions.

Countries are investing in their banking infrastructure to help money move much faster than checks and more securely than cash, bringing the benefits of the digital economy to more people and businesses. These upgraded systems are dubbed “real-time payments,” also known as “instant payments,” “faster payments” or “immediate payments.”

Research has shown that people value real-time payments for their convenience and accuracy — a 2020 survey of consumers in six markets on three continents revealed that people consider real-time payments as important or more important than access to the internet, next-day delivery and even everyday utilities. Three-quarters of people say they would like all digital payments to be in real time.

But speed is only part of the reason countries are investing in real-time payments. Here are the other benefits (and one concern) and what this means for how we will spend our money in the future:

What are real-time payments (RTP)?

Real-time payments are payments made between bank accounts that are initiated, cleared and settled within seconds, at any time of the day or week, holidays and weekends included. This improves transparency and confidence in payments, helping consumers, banks and businesses manage their money.

Where are real-time payments available?

Japan’s Zengin system started processing payments in real-time speed in 1973, but it only went 24/7 in 2018. Switzerland followed in 1987, and the pace picked up after the turn of the 21st century.

Today, nearly six dozen countries on six continents support real-time payments, with $118.3 billion in transaction volume in 2021 — year-on-year growth of 65%, according to ACI Worldwide’s 2022 Prime Time for Real-Time report. India, which launched its rapidly growing Unified Payments Interface real-time payments platform in 2016, is the largest market by volume, with $48.6 billion in transactions, followed by China, Thailand, Brazil and South Korea.

When Mastercard helped Thailand launch its real-time payments service, PromptPay, in 2016, people in the country made only 48 digital transactions per year, on average. Four years later, that number had jumped to 200, with PromptPay becoming one of the fastest-growing real-time payment services in the world. Additionally, real-time payments systems are now becoming regional: Singapore’s PAYNow linked its platform to PromptPay in 2021, enabling cross-border real-time payments with the same simple user experience as domestic payments.

Another interesting initiative to watch is P27. Developed by Mastercard, it will  establish a single pan-Nordic payment infrastructure with instant payments across four different currencies, reducing inefficiencies with operating multiple payment systems to serve citizens and businesses with such close relationships just across the border.   

Besides speed, are there other benefits to real-time payments?

The slow rollout of stimulus checks in the U.S. in the early months of the pandemic underscored one of the benefits of real-time payments: the need for speed during an economic crisis. Speed is also key in disaster relief, particularly when brick-and-mortar banks are closed and people are dependent on cards and mobile wallets to receive aid.

But payment experts will tell you that speed is almost beside the point. Immediate payments with instantaneous clearing and settlement reduces the amount of money locked in processing, improving cash and liquidity management for businesses and giving consumers a much clearer picture of their finances.

Real-time payments are also transmitted in tandem with more data formatted to a global messaging standard. This gives businesses the ability to automatically reconcile payments, improving efficiency in the back office and making it easier to resolve errors and reduce processing delays. (Every transaction that fails to post or requires manual intervention to resolve can cost a company between $50 and $60, industry estimates suggest.)

And these real-time payments are irrevocable, making it harder to renege on contracts and encouraging other innovations to improve efficiencies, such as payment on delivery. At any given time, delayed payments may total as much as $3 trillion globally, disproportionately affecting small businesses.

Some countries also see payments modernization as the path to wider financial inclusion. In addition to real-time payments, Thailand’s PromptPay gives all citizens the ability to make and receive payments using their phone number, citizen ID or a QR code, helping connect more unbanked people to the financial world.

If payments are happening faster, will real-time payment fraud be harder to catch?

Fraudsters are always trying to find ways to exploit new technologies. With the introduction of real-time payment systems, new kinds of fraud are on the rise, such as authorized push payment fraud. That’s when a fraudster tricks their victim into transferring funds into their account by pretending to be a legitimate payee, such as a business.

Advances in fraud detection software, including machine learning and behavioral analytics, do make unusual urgent requests and fake invoices easier to spot — in real time — but some governments are considering legislation to ensure more support for victims.

For example, in the U.K., frameworks like Confirmation of Payee have been rolled out to check account details instantly against the name of the account holder and help prevent cases of authorized push payment fraud. The U.K.’s real-time payments scheme Pay.UK also introduced the Mule Insights Tactical Solution (MITS), which tracks the flow of fraudulent transactions used in money laundering through bank and credit union accounts. It identifies these accounts and stops the proceeds of crimes from moving deeper into the system — and can help victims recover their funds.

Will real-time payments be the end for checks?

The U.S. is one of the few countries that remains somewhat reliant on checks, but even there, checks have been in decline for decades, dropping 80% in sheer number processed through the Federal Reserve between 1991 and 2021. The use of checks remains relatively high in business-to-business transactions, with checks accounting for more than 50% of overall transaction value of B2B payments, according to a Mastercard analysis. However, they can be costly to process and can take days to process. Electronic bank payments and cards are making inroads, and the pandemic lockdowns, which resulted in millions of checks languishing for weeks or months in mailrooms, underscored the need to move away from paper-based payments.

Besides B2B payments, what are other types of payments that could benefit from real-time payments?

Peer-to-peer payments, in which people directly pay one another from their bank accounts via an app, have been integrated with real-time payments, raising consumer expectations for payment speed.

Real-time payments should also make it easier and faster for people to pay bills, make payment on delivery or make payments on e-commerce marketplaces directly from their bank account, while also making reimbursements — for medical claims or insurance — easier and faster. Real-time payments could also be used to streamline supply chain finance, notoriously paper-heavy, which could ease gridlock in supply chains.

Do real-time payments cost more for businesses and consumers to use?

No. Real-time payments cost about the same as noninstant electronic payments overall, at about $1.95 for 10 transactions per capita, according to a 2019 report. This is significantly less than checks, at $2.79 per 10 transactions.

Link

community logo
Join the TheDinarian Community
To read more articles like this, sign up and join my community today
0
What else you may like

Videos
Podcasts
Posts
Articles
🔑Blockchain lowers barriers so that everyone wins🔑

With BENJI, Franklin Templeton used the Stellar network to bring its money market fund onchain, reducing the minimum investment from $2,500 to just $25.

Denelle Dixon breaks down what this means for access and inclusion on Thinking Crypto Podcast with Tony Edward.

00:00:39
đŸ€”ON FOX NEWS? One Has To Wonder... WHY NOW?đŸ€”

ARE WE ALONE? Tonight on @SpecialReport a look at a new documentary on UAP's and what government officials may know about top secret programs.

00:07:02
🚹 The convergence of crypto and traditional finance is accelerating the Internet of Value 🚹

Institutional payments. Secure asset custody. Regulated stablecoins. Everything onchain.

It's happening: the convergence of crypto and traditional finance is accelerating the Internet of Value.

That’s a wrap for Ripple Swell 2025. We’ll see you next year, NYC! đŸ—œ

00:01:41
👉 Coinbase just launched an AI agent for Crypto Trading

Custom AI assistants that print money in your sleep? 🔜

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

👉 Here’s what you need to know:

💠 'Based Agent' enables creation of custom AI agents
💠 Users set up personalized agents in < 3 minutes
💠 Equipped w/ crypto wallet and on-chain functions
💠 Capable of completing trades, swaps, and staking
💠 Integrates with Coinbase’s SDK, OpenAI, & Replit

👉 What this means for the future of Crypto:

1. Open Access: Democratized access to advanced trading
2. Automated Txns: Complex trades + streamlined on-chain activity
3. AI Dominance: Est ~80% of crypto 👉txns done by AI agents by 2025

🚹 I personally wouldn't bet against Brian Armstrong and Jesse Pollak.

👉 Coinbase just launched an AI agent for Crypto Trading

🚹 OVER 70 COOPERATION PACTS SIGNED AT BRICS FORUM AS DOLLAR USE FALLS 🚹

The International Municipal BRICS Forum in St. Petersburg concluded with the signing of over 70 cooperation agreements among representatives from 75 countries, while new data shows the U.S. dollar's share in intra-BRICS trade has fallen significantly. This dual development underscores the bloc's accelerating efforts to reshape global financial structures through both diplomatic cooperation and concrete monetary shifts.

🔑 Key Points

  • Historic Cooperation Framework: The forum signed more than 70 cooperation pacts covering financial and economic cooperation, digital technologies, youth policy, creative industries, and sustainable development. A strategic partnership was also established between the International Municipal BRICS Forum and the BRICS Pay payment system to advance digital financial solutions.

  • Dollar Usage Plummets: The use of the U.S. dollar in trade among BRICS countries has been reduced to ...

🚹 RUSSIA TO ISSUE FIRST YUAN-DENOMINATED BONDS IN DECEMBER 🚹

Russia, a key BRICS member, is set to issue its first Chinese yuan-denominated government bonds on December 8, 2025. This marks a significant step in BRICS' de-dollarization efforts and represents Russia's debut in the yuan bond market amid ongoing Western sanctions.

🔑 Key Points

  • Issuance Details: The Russian Finance Ministry will issue domestic government bonds with maturities ranging from three to seven years through Gazprombank, Sberbank, and VTB Capital. Each bond will have a face value of 10,000 yuan.

  • Total Volume: The planned issuance could total up to 400 billion rubles ($5 billion), with final volumes determined after books close on December 2.

  • Dual Currency Option: Investors can pay for the bonds and receive coupon payments in either yuan or rubles, reflecting Russia's growing use of alternative currencies in trade with China.

  • Strategic Context: This move is part of Russia's broader effort ...

🚹 CANARY LIKELY TO PAUSE ETF FILINGS, EYES SEC SHIFT FOR WHAT'S NEXT 🚹

Canary Capital CEO Steven McClurg has indicated that the firm may pause its ETF filings for other altcoins like Litecoin and Hedera following the successful launch of its spot XRP ETF (XRPC). The decision comes as the company assesses market conditions and awaits potential regulatory shifts under the Trump administration.

🔑 Key Points

  • Pause on Altcoin ETFs: Canary Capital is likely to pause further ETF filings for altcoins like Litecoin (LTC) and Hedera (HBAR) after launching its XRP ETF. CEO Steven McClurg stated the firm wants to see how XRP performs before proceeding with other filings.

  • Market Strategy: The company prefers to focus on quality over quantity, taking a measured approach to ensure each ETF launch has sufficient liquidity and market demand. This strategy reflects lessons learned from the rapid proliferation of Bitcoin and Ethereum ETFs.

  • Regulatory Outlook: Canary is also watching ...

post photo preview
3I/ATLAS — Secret Laws Of Gravity
Unlocking the future of space travel through the precise calculation of time and orbital trajectories.

"My preliminary analysis suggests two principal hypotheses regarding the reported phenomenon known as '3I/Atlas':

  1. A Coordinated Psychological Operation (PsyOp): The phenomenon may constitute a calculated effort to manipulate public sentiment or induce fear, potentially preceding a planned, large-scale deception (referred to informally as 'Project Bluebeam').

  2. A Highly Anomalous Object: Alternatively, the phenomenon represents an authentic, significant anomaly warranting serious scientific or intelligence scrutiny.

Regardless of its origin, '3I/Atlas' represents an historically noteworthy development that necessitates close, informed observation."

 

~Crypto Michael | The Dinarian 🙏

Abstract Introduction:

New data is now showing something that arrived early and its changing colors as we previously predicted.

In orbital mechanics where trajectories are calculated centuries in advance with accurate precision measured in seconds.

A 11-minute deviation is not a rounding error.

It’s not a typo in the database.

It’s not close enough.

"It’s Physically impossible.”

Now The longest government shutdown in U.S. history still blocking NASA releases while the object executed its closest Fly-by approaches to Mars, The Sun and Venus at the moment of maximum observational blackout.

But orbital mechanics don’t care about “government shutdowns.”

Our observations Don’t Stop.

And the math doesn’t wait for “Press releases.”

The math says this:

“If 3I/ATLAS is natural, it should have lost about 5.5 billion tons of mass.”

It didn't.

1. The 5.5 Billion Ton Problem:

Let’s start with what everyone agrees on: 3I/ATLAS “now” arrived earlier than pure gravitational predictions would allow. Even though we have been mentioning this trajectory change over 2 Weeks ago (October 21st Article HERE) TRACKING 3I/ATLAS .

The scientific consensus explanation? “Natural outgassing” the "rocket effect." As water ice sublimates near the Sun, it creates thrust, like a slow-motion rocket engine powered by evaporating ice. Comets do this all the time. It’s normal. It’s natural. It’s explainable.

Except for ONE problem.

“The Physics Don’t Add Up!”

To generate enough thrust to arrive approximately “11 minutes early” would require shedding a staggering amount of mass.

Our calculations show “over 5.5 billion tons” of gas ejected over the perihelion passage.

Think about that for a moment.

That’s not a little puff of vapor.

That’s not some gas leaking from surface cracks.

That’s 15% of the object’s total estimated mass.

If 3I/ATLAS lost that much material naturally, it would create a debris cloud larger than Jupiter’s magnetosphere—visible to amateur telescopes from Earth. Absolutely impossible to miss in professional observations, and bright enough to be catalogued by every sky survey on the planet.

1.1 ~ The Plume Paradox:

Here’s where it gets interesting:

No such cloud has yet to be observed.

Not by Hubble. Not by JWST. Not by ground-based observatories. Not by the Mars orbiters that watched it pass at 30 million kilometers.

The brightness remained within “expected limits.” The coma showed stable & geometric shifting features. The tail structure now disappeared (but that’s another story). The main one is that: “The debris cloud that should exist — simply doesn’t.”

This isn't a minor discrepancy.

This is complete, mathematical failure of the natural comet hypothesis.

Part 2: The Industrial Signature:

So if natural sublimation didn't create the thrust, what did?

The answer is hidden in the chemistry—specifically, in what shouldn’t be there. “The Nickel Anomaly.” When multiple astronomers analyzed 3I/ATLAS’s spectral signature, they found something extraordinary: “nickel vapor” (Ni) at extreme distances from the Sun, where temperatures should be far too cold for metals to vaporize naturally.

Nickel doesn't just evaporate on its own at those temperatures.

It needs HELP.

And there’s only one known process—natural or industrial—that produces a volatile nickel-carbon compound at cold temperatures which we have said several times previously;

Nickel Tetracarbonyl: Ni(CO)₄

This is not a natural cosmic process.

This is an “industrial chemical pathway” used on EARTH for metal refinement!!!

It forms at 120°C and decomposes at 180°C allowing nickel to vaporize at temperatures where water ice would remain frozen solid.

It is LITERALLY, an industrial refrigerant for metal processing.

The presence of Ni(CO)₄ in the plume tells us two things:

  • The core is not ice — It’s a nickel-rich, engineered structure.
  • The process is not passive sublimation — it’s an active, controlled system.

The nickel vapor isn’t contamination.

It’s not a coincidence.

It’s Exhaust.

3. Secret Gravity (SOEG) Model:

This is where our research team proposes something NEW.

We call it The “Self-Optimizing Ejection Guidance (SOEG) Model”

A Brand New Scientifically defensible framework that explains the acceleration not as chaotic outgassing, but as “controlled propulsion.”

The SOEG Model (Project EE / 3IE)

The System:
‱ Volatile Reservoir — CO₂ ice + Nickel-rich metallic core.
‱ Solar Heating — Perihelion triggers sublimation at optimal moment.
‱ Magnetic Ionization — Internal magnetic field ionizes nickel vapor into plasma.
‱ Anisotropic Jets — Plasma channeled through focused nozzles. (not random cracks)
‱ Thrust Optimization — Maximum momentum transfer with minimal mass loss.

Unlike natural cometary outgassing—which is chaotic, omnidirectional, and wildly inefficient. The SOEG Model Fully Represents: (CONTROLLED, DIRECTIONAL, OPTIMIZED PROPULSION.)

It’s the engineering solution to interstellar navigation: Using a “magnetofluidic drive” that uses the Sun’s + Nearby Planets & Star energy to activate a propulsion system that was BUILT.

The secret is in the magnetic field. By ionizing the nickel-carbon vapor into a high-velocity plasma jet, the system achieves thrust efficiencies that natural sublimation could never match.

This isn’t science fiction. This is “magnetohydrodynamics” the same physics that powers experimental plasma thrusters being developed by NASA and ESA for deep-space missions.

The difference?

We’re building prototypes


Someone else already perfected it.

4. The Scientific Statistical Test:

Here’s what makes it undeniable.

Natural comets exhibit HIGH temporal variance in their acceleration parameters.

Technical terms like (A₁) and (A₂) that describe how thrust changes over time. Natural outgassing is messy, chaotic & unpredictable.

Our Prediction:

We formally predict that when sufficient post-perihelion data is published — expected from JUICE observations (data release February 2026) and ground-based telescopes through December 2025— 3I/ATLAS WILL show:

  • (A₂ parameter near zero) — phase-locked rotational coherence.
  • Temporal drift < 0.5σ — stability far beyond natural variance.
  • “Thrust vector alignment” with rotational axis — body-fixed engine signature.

If ALL 3 conditions are met.

The probability that 3I/ATLAS is a natural comet drops below 0.01% (a >4σ statistical rejection).

This is not speculation. This is a time-stamped, falsifiable prediction.

By February — March 2026, we will either be proven right or wrong.

The data doesn’t care about our theories. It only cares about what actually happens.

5. The Blue Hue đŸ””:

Now there’s one more piece of evidence—and it’s visible to the naked eye (well, through a telescope). “The Color Anomaly.”

Natural comets scatter sunlight off dust particles, producing a yellowish-red glow. At 1.36 AU from the Sun, 3I/ATLAS should have appeared reddish-orange from thermal emission.

Instead, observers noted something strange: “A distinct blue fluorescence” in the coma.

What Blue Light Means?

Blue emission in a comet’s coma comes from highly ionized species—primarily “CO” (carbon monoxide ions) and certain excited metallic vapors. This requires enormous, “FOCUSED” energy to achieve.

You don’t get this level of ionization from passive solar heating. You get it from ~ Active Plasma Generation. The blue hue is the visible proof of the SOEG engine operating at perihelion. It’s the "engine glow" of a magnetofluidic drive generating high-energy plasma to achieve maximum thrust efficiency.

Compare:
- Natural comets (Hale-Bopp, NEOWISE, 67P, Etc.): Usual Yellowish-red dust scattering.
- Expected for 3I/ATLAS at 1.36 AU: Reddish-orange thermal glow.
- Observed in 3I/ATLAS: Distinct “Blue” plasma fluorescence.

This isn't subtle.

This is the difference between reflected sunlight and an active thruster firing.

5.5 ~ Convergence of Evidence:

Let's put it all together.

The Self-Optimizing Ejection Guidance (SOEG) Model is not speculation. It’s not wild theorizing. It’s one of the only frameworks that coherently explains:

✅ The early arrival— non-gravitational acceleration without natural explanation.

✅ The missing 5.5-billion-ton debris cloud — controlled thrust with minimal mass loss.

✅ The Ni(CO)₄ industrial signature — engineered propulsion chemistry.

✅ The blue plasma glow — active ionization system visible during perihelion.

✅ The statistical impossibility — phase-locked stability beyond natural variance. (pending verification)

However each piece of evidence, standing alone, is anomalous but potentially explainable.

Together, they form an interlocking pattern that demands a technological origin.

But then there’s the Silence.

Venus conjunction: Still offline.

This is not incompetence.

This is recognition.

THEY know something we’re still calculating.

December 19, 2025: 3I/ATLAS reaches closest approach to Earth at 167 million miles.

“If the calculations are correct, the 5.5-billion-ton debris cloud should be impossible to miss. Every telescope on the planet will be watching.”

All of this new information scheduled to be released should definitely include the following: High-resolution spectroscopy, morphological analysis, particle environment data and MOST CRITICALLY the astrometric parameters that will confirm or refute our SOEG model’s predictions.

“If the A₂ parameter shows phase-locked stability, the SOEG model is confirmed.”

Conclusion:

The Numbers Don’t Lie. The orbital path was not set by gravity alone. The acceleration was not powered by ice. The chemistry was not natural. And the timing is not “coincidental.”

3I/ATLAS is a message written in orbital mechanics, plasma physics, and industrial chemistry—a message we have “74 days” left to fully decode.

The mathematics are clear.

The predictions are calculated.

We don't have to speculate about what it is.

“We just have to (wait) for the complete data packet to arrive.”

And when it does, one of two things will happen:

Either the natural hypothesis survives (unlikely, given the evidence). Or we confirm what the numbers have been screaming to us since October are TRUE.

“Something pushed it. Something controlled it. Something arrived exactly when it needed to.”

Or The A-parameters will lock.

The plasma signature will confirm.

The debris cloud will be absent.

And the institutional silence will make perfect sense.

Because you don’t announce a discovery like this through a press release.

You announce it through a “Calculated Strategy.”

Analogy Conclusion:

The orbital path was set by laws that were not known,
For where the starlight failed, a force was subtly sown.

No dust and ice, but Nickel in the plume’s blue gleam,
A pulse of hidden power, of controlled, forgotten dreams.

The A-Parameter locks, The true secret of the sphere,
The Simultaneous Truth arrives, When all the numbers are near.

— Earth Exists

Additional Reference & Data Source Links đŸ–‡ïž:

EARTH EXISTS Documentation:
- [Previous article. 35 Days of Silence — 3I/ATLAS]

Source

🙏 Donations Accepted 🙏

If you find value in my content, consider showing your support via:

💳 PayPal: 
1) Simply scan the QR code below đŸ“Č
2) or visit https://www.paypal.me/thedinarian


🔗 Crypto Donations👇
XRP: r9pid4yrQgs6XSFWhMZ8NkxW3gkydWNyQX
XLM: GDMJF2OCHN3NNNX4T4F6POPBTXK23GTNSNQWUMIVKESTHMQM7XDYAIZT
XDC: xdcc2C02203C4f91375889d7AfADB09E207Edf809A6

Read full Article
post photo preview
BlackRock Is Manipulating The Price Of Bitcoin👀

Blackrock possess a strategic depth that goes far beyond initial appearances. When the general market perceives selling and traders respond with emotion, these major players are often operating on a much more profound level. They adeptly identify and leverage every available mechanism to influence market dynamics. Their power isn't in direct control of the asset, but in understanding how to move the market without ever taking direct ownership.

What entity has become the most prominent corporate champion of Bitcoin ($BTC)?

It's the one with the massive treasury holdings, known as Microstrategy.

 

However, the major strategic challenge lies here: the size of their Bitcoin position is fundamentally linked to their external financing, typically in the form of debt.

This reliance on significant debt creates an inherent vulnerability—a dependence on creditors and shareholders. When an entity's position is highly leveraged, that dependence makes them susceptible to market manipulation or strategic pressure from external financial forces.

When a highly leveraged corporate holder of a significant asset (like $BTC) faces external financial stress, that pressure inevitably transfers to the asset itself.

Blackrock's goal isn't to induce a market crash, but rather to establish a dominant position and control.

Any substantial sale of major cryptocurrencies like $BTC or $ETH initiated by Blackrock, can be interpreted not as routine trading, but as a deliberate effort to manipulate market sentiment and pricing.

Blackrock is deploying a sophisticated combination of tactics: they simultaneously generate market volatility through strategic sales of the asset ($BTC) while accumulating shares in key corporate holders (the stock symbolized by $MSTR).

The deeper intent is to leverage this equity stake to direct the corporate strategy of the highly leveraged Bitcoin champion.

With a sufficiently large ownership percentage, this influence becomes highly effective. The resulting market power is therefore a function of both manipulating price movement and controlling corporate policy.

Is Microstrategy (the company represented by the $MSTR stock) vulnerable to this kind of pressure? The evidence suggests yes.

A substantial stake held by Blackrock grants them effective leverage to influence and manipulate the company itself.

When the company's shares experience a significant decline, the leadership is often compelled to take action, potentially buying back their own stock. This action is driven by the fact that falling share prices directly intensify financial and market pressure on the entire organization.

If the stock of Microstrategy continues a sustained decline, lenders will inevitably begin to re-evaluate and revise the terms of existing loans. This is a critical point of failure for the entire strategy.

The fundamental operational model of this corporate champion works like a closed loop:

  • It secures debt financing (taking loans) to acquire $BTC.

  • Alternatively, it issues new equity (selling shares) to acquire $BTC.

Crucially, the ongoing interest payments on this substantial debt are often managed by the mechanism of issuing even more shares, creating a continuous cycle of dilution and reliance on a high stock price.

A major consequence of rising leverage is the escalating cost of borrowing, requiring Microstrategy to source even larger amounts of capital.

The most straightforward solution—to issue and sell more stock—proved to be insufficient.

In fact, the situation worsened: the company’s recent attempt to raise funds through a stock offering did not fully sell out. This failure directly resulted in a significant liquidity shortfall, hamstringing Microstrategy’s ability to meet its financial obligations and continue its asset acquisition strategy.

And the ultimate shock came when Microstrategy—the very entity that vowed it would never liquidate its holdings—began to sell.

These weren't insignificant trades; the sales were valued at billions of dollars.

The key question now becomes: Does this sudden, massive reversal signal the imminent collapse of Microstrategy, or is it simply a necessary, albeit drastic, maneuver of 'business as usual' under extreme duress?

There appear to be two primary strategic objectives behind Blackrock's calculated moves:

  • Scenario A (Direct Dominance): Blackrock aims to neutralize its most prominent competitor (the corporate Bitcoin accumulator) in order to seize the title as the largest holder of $BTC.

  • Scenario B (Indirect Control): The institution’s goal is to establish absolute market control and influence, preferring to leverage Microstrategy to execute the most aggressive or politically difficult actions.

The outright financial destruction of Microstrategy is highly improbable. Such an action would trigger a severe market crash that could take years to fully repair.

The far more intelligent strategy is integration and control.

Under this model, Microstrategy remains operational, while Blackrock secretly dictates strategy. This allows Microstrategy to absorb the market blame for any necessary but controversial manipulation, a classic and often dirty tactic used by high-powered financial entities.

In the immediate future, the market will continue to exhibit strong reactions to the strategic maneuvers of Blackrock.

When they execute sales, it instantly captures headlines, is aggressively amplified by the media, and causes fearful retail traders ('weak hands') to panic and exit their positions.

Every decrease in price that results from this panic directly translates into a superior entry point for Blackrock. This clearly illustrates that the current market environment is driven purely by emotion, making it a survival game reserved only for those with the strongest resolve.

In the long run, the nature of $BTC will likely shift, moving away from its original ideals of being completely free and decentralized.

The vast majority of the available supply is projected to become highly concentrated within a small number of major corporations and investment funds.

Consequently, the price cycles will no longer be reliably tied to events like halvings or popular narratives. Instead, they will be driven primarily by government and central bank policy decisions, overarching macroeconomic conditions, and the internal political maneuverings of the world's most dominant funds and corporations.

Blackrock's goal is not to eliminate $BTC; instead, they are focused on constructing an elaborate system of control around the asset.

Microstrategy (the stock symbolized by $MSTR) remains a powerful tool, but it now operates under terms and directives that the company's leadership no longer fully dictates.

Since direct command over the decentralized asset is impossible, control is established through strategic influence over the largest corporate and fund custodians. Moving forward, Blackrock will be the primary entity determining the market's trajectory.

🙏 Donations Accepted 🙏

If you find value in my content, consider showing your support via:

💳 PayPal: 
1) Simply scan the QR code below đŸ“Č
2) or visit https://www.paypal.me/thedinarian

🔗 Crypto Donations👇


XRP: r9pid4yrQgs6XSFWhMZ8NkxW3gkydWNyQX
XLM: GDMJF2OCHN3NNNX4T4F6POPBTXK23GTNSNQWUMIVKESTHMQM7XDYAIZT
XDC: xdcc2C02203C4f91375889d7AfADB09E207Edf809A6

Read full Article
post photo preview
A Request for NASA to Release Scientific Data on 3I/ATLAS

During my recent podcast interview with Joe Rogan (accessible here), I had mentioned the unfortunate circumstances, under which NASA had not released for four weeks the images collected by the HiRISE camera onboard the Mars Reconnaissance Orbiter. These images were taken on October 2–3, 2025, when the interstellar object 3I/ATLAS passed within 30 million kilometers from Mars. The images are extremely valuable scientifically because they possess a spatial resolution of 30 kilometers per pixel, about 3 times better than the spatial resolution achieved in the best publicly available image from the Hubble Space Telescope, taken on July 21, 2025 (accessible here and analyzed here). Whereas the Hubble image was taken from an edge-on perspective since Earth and the Sun were separated by only ~10 degrees relative to distant 3I/ATLAS, the HiRISE image offers a sideways perspective, valuable in decoding the mass loss geometry and glow around as it approached the Sun.

The delay in the data release was argued to be the result of the government shutdown on October 1, 2025. Nevertheless, conspiracy theorists suggested that it may have to do with evidence for extraterrestrial intelligence in the HiRISE images. When asked about it, I suggested that the delay is probably not a sign of extraterrestrial intelligence but rather of terrestrial stupidity. We should not hold science hostage to the shutdown politics of the day. The scientific community would have greatly benefited from the dissemination of this time-sensitive data as astronomers plan follow-up observations in the coming months.

Joe Rogan suggested that I contact the interim NASA administrator, Sean Duffy. The following day, I corresponded with congresswoman Anna Paulina Luna regarding a related formal request from NASA. Following our exchange, Representative Luna wrote a brilliant letter to NASA’s acting administrator Duffy.

We all owe a debt of deep gratitude for the visionary support displayed by Representative Luna to frontier science through her letter, attached below.

Avi Loeb is the head of the Galileo Project, founding director of Harvard University’s — Black Hole Initiative, director of the Institute for Theory and Computation at the Harvard-Smithsonian Center for Astrophysics, and the former chair of the astronomy department at Harvard University (2011–2020). He is a former member of the President’s Council of Advisors on Science and Technology and a former chair of the Board on Physics and Astronomy of the National Academies. He is the bestselling author of “Extraterrestrial: The First Sign of Intelligent Life Beyond Earth” and a co-author of the textbook “Life in the Cosmos”, both published in 2021. The paperback edition of his new book, titled “Interstellar”, was published in August 2024.

Source

🙏 Donations Accepted 🙏

If you find value in my content, consider showing your support via:

💳 PayPal: 
1) Simply scan the QR code below đŸ“Č
2) or visit https://www.paypal.me/thedinarian

🔗 Crypto Donations👇
XRP: r9pid4yrQgs6XSFWhMZ8NkxW3gkydWNyQX
XLM: GDMJF2OCHN3NNNX4T4F6POPBTXK23GTNSNQWUMIVKESTHMQM7XDYAIZT
XDC: xdcc2C02203C4f91375889d7AfADB09E207Edf809A6

Read full Article
See More
Available on mobile and TV devices
google store google store app store app store
google store google store app tv store app tv store amazon store amazon store roku store roku store
Powered by Locals