Welcome to the Ghostfi™ Newsletter, today we’re going to add some guides into the mix. A few golden nuggets, just for you.

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Here’s what we’ve scraped the net for you today:

• GhostFi’s Guide to Crypto-Friendly Countries

• The Importance of the PayPal Stablecoin Surpasses That of Any Bitcoin ETF

• Hedera (HBAR) Poised to Crash the Top 10 Cryptocurrency Party, Analyst Predicts

• XRP Delisted from SEC's Securities Register; Crypto Enthusiasts Rejoice

• AI Apps & Platforms

• Crypto Rookies’ Corner

GhostFi’s Guide to Crypto-Friendly Countries

Ah, the exhilarating world of cryptocurrency, where fortunes can be made overnight and your savings can turn into pixelated gold. It's the 21st-century version of the Wild West, and we're here to guide you through the global amusement park of crypto-friendly countries. Just remember, folks, this article is more entertaining than a rollercoaster, and definitely not a substitute for actual financial advice. Now, let's dive into the magical land of digital riches!

Malta: Land of Crypto Dreams

Malta, the land of sun, sea, and… cryptocurrencies? Yes, you heard it right. Binance, the wandering nomads of the crypto world, decided Malta was their ultimate destination. Maybe they were lured in by the promise of endless sunshine and blockchain-powered sunsets. Malta boasts laws that make it the Casanova of crypto, with bills like the Innovative Technology Arrangements and Services Act, the Malta Digital Innovation Authority Act, and the Virtual Financial Asset Act. It's like a crypto paradise where even the banks are as friendly as a beachside cocktail.

Canada: Polite Crypto Enthusiasts

Ah, Canada, the land of maple syrup, apologies, and now, cryptocurrencies. The country where the law hasn't quite decided whether crypto is a polite guest or an unwanted party crasher. The polite "eh" has now turned into "crypto, eh?" as Canada lets the digital coins roam free. With over a thousand Bitcoin ATMs, it's like the country is saying, "Hey, have some poutine and crypto, eh? Just remember, this friendly attitude might disappear quicker than a snowflake in July."

Slovenia: Where Bitcoin is a National Treasure

Move over, Dracula, Slovenia has a new star – Bitcoin! This European gem is so crazy about crypto that trading Bitcoin is basically the national sport. And guess what? If you're raking in those sweet profits from your crypto escapades, Slovenia is like, "Nah, no taxes for you, mate!" Cryptocurrency mining? Not even a VAT transaction. It's like the country has declared itself a "No Taxation Without Blockchain Representation" zone.

The Netherlands: Tulips, Windmills, and Crypto

When you think of the Netherlands, you probably envision tulips, windmills, and people casually pedaling around on bicycles. Now add cryptocurrencies to the mix, and you've got yourself a colorful bouquet of digital assets. The Dutch believe crypto could be their economic tulip mania 2.0, minus the unfortunate crash. They're following the Financial Action Task Force standards, which probably means they've taught their windmills how to mine Bitcoin.

Portugal: Sunny Shores and Tax-Free Crypto

Portugal, where the sun shines bright, the ocean waves sing, and cryptocurrency is as tax-free as your stress level on a tropical vacation. This country is so crypto-friendly that it practically has palm trees swaying to the rhythm of blockchain transactions. With a "Digital Transitional Action Plan" in place, Portugal is creating the perfect climate for both business innovation and digital sunbathing.

Germany: The Land of Logical Crypto Taxes

Guten tag, Germany! The land of beer, sausages, and meticulously logical tax laws. In Germany, they don't just tolerate crypto; they embrace it as if it were their very own techno music festival. They even consider Bitcoin "private money," which means holding onto it for a year is like winning the tax exemption lottery. So, if you're trading like there's no tomorrow, make sure to keep the calendar handy – that's the only thing Germany might audit.

Luxembourg: Where Crypto is Regal

Luxembourg, the land of fairy tale castles, fine wine, and now, crypto reigns. This country treats cryptocurrency like royalty, with no restrictions on trading or using digital coins within its borders. The government's legislative approach is so progressive that even the grandest of castles might envy it.

Estonia: Tech-Savvy and Crypto-Happy

Estonia, where medieval architecture meets cutting-edge technology. It's a place where crypto enthusiasts feel right at home, and blockchain is the modern-day knight in shining armor. Transactions with Bitcoin? Taxed just like any other corporate activity – because, hey, every medieval kingdom needs its fair share of gold, even if it's digital.

Singapore: Where Fintech Dreams Come True

Ah, Singapore, the Southeast Asian jewel that sparkles with fintech brilliance. The Monetary Authority of Singapore is like a stern yet loving parent, keeping a watchful eye on crypto to make sure it doesn't sneak out after curfew and engage in money laundering shenanigans. But don't worry, they're all for innovation – it's like having a cool parent who still checks your homework.

Switzerland: Banking, Chocolate, and Crypto

Switzerland is the land of precision, perfection, and now, cryptocurrency. The Swiss are known for their meticulous watchmaking, and now they're meticulously watching over crypto. They've even given cryptocurrencies the title of "assets," and Bitcoins are as legal as a Swiss watch telling time. Just make sure you're not trading like it's your full-time job, or the taxman might come knocking.

And there you have it, folks, a whirlwind tour of the world's crypto-friendly countries. But before you start packing your virtual bags and booking a flight to Crypto Valley, remember that the crypto world can be as unpredictable as a cat riding a unicycle. So, consult with experts, keep an eye on the ever-changing regulations, and may your crypto adventures be as entertaining as this article!

The Importance of the PayPal Stablecoin Surpasses That of Any Bitcoin ETF

Hold on tight because PayPal is gallantly strutting into the cryptocurrency arena with their oh-so-shiny PYUSD stablecoin. It's like they've rolled out the crypto red carpet and grabbed the spotlight away from those snooze-worthy future Bitcoin ETF approvals.

Back in the ancient times of September 2020, PayPal lit the crypto fuse, inviting gazillion users onto the bandwagon and sparking a bull cycle parade. This prompted other corporations to scramble into the crypto world, crafting flashy strategies and forming alliances like it's the latest trend. PYUSD, the stablecoin, has taken the spotlight, leaving traditional options like USDT in its dust.

But wait, there's more! While a Bitcoin ETF might bore you with old-school vibes, PYUSD is the cool breeze of crypto, swaying to its own rhythm on the Ethereum stage. ETFs? They're the wallflowers, dancing only when the market plays a slow tune.

Don't worry, the Bitcoin ETF isn't a complete flop. It's like the gold medal at the Finance Olympics, but it's still tangled in red tape, making you jump through hoops for a taste. On the other hand, PYUSD is a gateway to global cash fun, tossing greenbacks around the world like confetti. PayPal is the Santa of stablecoins, turning public blockchains into hotspots for innovation.

Why does PayPal even bother with stablecoins? Well, they're snagging payments faster than a ninja with sushi. Forget closed loops; PayPal's got an open-loop dance floor. They're practically throwing a no-RSVP-required party with PYUSD.

Imagine this: you're living the PayPal life, but the other guy's wallet is clueless. No worries! Just send a blockchain address, and PayPal seals the deal with a funky dance move. Otherwise, you're stuck in a payment Bermuda Triangle.

PayPal's strutting its stuff in fiat onboarding, armed with keys, regulations, and tech mojo. They're not just the on-ramp; they're the whole crypto carnival, the main attraction and ticket booth combined.

Hold on for the cost-cutting magic trick. PayPal's making it easy for you to buy Colombian souvenirs, but poor merchants are footing the 4% bill for PayPal's USD to peso extravaganza. But here's the twist: sticking to USD slashes costs like a ninja slicing through watermelons. Currency conversion? PayPal's got some blockchain fairy dust for that.

Stablecoins? Oh boy, they're like treasure troves, and PayPal wants a piece. With Tether raking in millions, PayPal aims to laugh all the way to the bank, pocketing extra moolah and a steady stream of change.

So, where's PayPal on this wild crypto ride? Get ready for the PYUSD extravaganza. They're slipping into private wallets, high-fiving merchants, and maybe even throwing in more blockchains for kicks. Brace for a stablecoin showdown. While others stumble, PayPal's the star, shining bright with stablecoin magic.

So there you have it, amigos. PayPal's rewriting crypto dreams and spicing up history. Popcorn, anyone? The crypto circus is just beginning! 🚀🎉

GhostFi’s™ Recommended Exchanges

Hedera (HBAR) Poised to Crash the Top 10 Cryptocurrency Party, Analyst Predicts

Well, buckle up, folks, 'cause the word on the street is that Hedera (HBAR) is gonna shoot its shot and hit the top 10 in the cryptocurrency game! Who's spreading the news? None other than the bigwig over at Classy Crypto's YouTube turf. Yeah, you heard it right, the influencer extraordinaire dropped a video talkin' about how the HBAR scene is leveling up, and that crypto's gonna be riding high./

According to the big cheese in the crypto sphere, HBAR's gonna be the belle of the ball when the next bull run hits town. And you know what's gonna bring all those fancy-schmancy institutional investors to the yard? The proposed Bitcoin and Ethereum Exchange Trust Funds (ETFs), baby! Those things are like catnip for the big shots, luring 'em into the crypto playground.

Our crypto guru says that after the initial Bitcoin and Ethereum frenzy, those deep-pocketed investors are gonna start eyein' other digital gems with a twist. They want unique goodies that can keep tabs on stuff, like a watchdog with a nose for success. And guess who's here to deliver? Hedera, baby! This project's got the goods, with tracking skills that'll make your head spin.

The Classy Crypto honcho is all hyped about Hedera's consensus service, which is basically a top-notch tracker. It's like the GPS of the crypto world, tailor-made for the job. And you know what? He's got a point. This thing could be a game-changer, solvin' some big ol' global problems while it's at it. Talk about crypto in hot demand, am I right?

Hold onto your hats 'cause our crypto clairvoyant says the bull market train's a-comin', and it's pullin' into the station sooner than you think. See, most of those institutional investors are just dipping their toes into the crypto pool. But mark my words, they're gonna dive right in and splash around with some serious cash. And that splash? It's gonna create some ripples, baby – the kind that starts a full-on bull run fiesta.

Now, let's get into the nitty-gritty of his crystal ball gaze. This oracle of crypto believes the market's gonna crack wide open before 2023 waves goodbye. And when it happens, oh boy, get ready for the crypto carnival of 2024. He's got this hunch that investors are gonna figure out that other layer-two platforms are just a bunch of fluff. They won't cut it when it comes to heavy-duty transactions. That's when they'll be knockin' on Hedera's door, beggin' for those sweet features like fixed gas fees and that swanky Hashgraph technology.

So there you have it, straight from the horse's mouth – Hedera's gonna rock the crypto boat, and we're all just here for the wild ride. Get your popcorn ready, folks, 'cause it's gonna be one heck of a show! 🚀

XRP Delisted from SEC's Securities Register; Crypto Enthusiasts Rejoice 

Brace yourselves, crypto fanatics, for the earth-shattering news that XRP has miraculously vanished from the SEC's list of securities on Coingecko! Let's all take a moment to appreciate the profound wisdom that Pro-XRP lawyer, the one and only John Deaton, shared with the world via his epic tweet: "Today's groundbreaking revelation: XRP is NOT on the list. Mind-blowing, right?" Seriously, folks, get your mind-blown meters ready.

And just for some perspective, let's rewind the clock to the ancient times of three years ago when the SEC, in all its infinite wisdom, decided to bestow upon us the captivating tale of Ripple and its 14.6 billion units of the elusive digital asset "security." I mean, can you feel the excitement? It's like déjà vu but with a splash of sarcasm and a generous sprinkle of irony.

In a plot twist that no one saw coming, Coingecko, our favorite crypto price-tracking oracle, generously gifted us with a list of 48 tokens that the SEC decided to mark as the chosen ones – securities, that is. Among the esteemed members of this exclusive club, we have BNB, ADA, SOL, TRX, MATIC, TON, BUSD, ATOM, FIL, ICP, NEAR, ALGO, SAND, AXS, MANA, FLOW, CHZ, and BTT. Drumroll, please, for the tokens that made it to the Hall of SEC Shame!

But wait, there's more! The legendary David "JoelKatz" Schwartz, the CTO of Ripple, chimed in with his own dose of positivity and wisdom, stating, "Behold the wonders of the world: Orange groves, live beavers, and yes, even warehouse receipts for whisky casks – and now, the crown jewel, XRP! The SEC's attempt at regulatory control truly knows no bounds."

And if you thought this riveting tale couldn't get any juicier, Deaton, our hero, dropped another bombshell, revealing that the SEC's senior officials are apparently having a bit of an identity crisis. Split decisions all around, folks! Meanwhile, crypto aficionados and experts are huddled together, playing a rousing game of "What Will the SEC Do Next?" with popcorn in hand and bated breath.

Enter the wise sage known as Advocate James Murphy, who boldly proclaims that the SEC might just whip out the ol' interlocutory appeal card for this grand spectacle. On the flip side, we've got PolySign's very own CEO, the one and only Jack McDonald, throwing shade and suggesting that the SEC might do a little dance to redefine the boundaries of the XRP kingdom – a dance of specificity if you will.

As the digital dust settles, and the virtual curtain comes down, we find XRP casually trading at $0.6477, flexing its gains of 3.08% like a champ. With a market cap that screams "$34,173,024,666," XRP proudly claims its throne as the fifth jewel in the shiny crown of CoinMarketCap's token hierarchy. And there you have it, dear readers, a tale of intrigue, drama, and crypto magic that'll have you on the edge of your seat – or, you know, slightly leaning forward in mild curiosity.

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1. Beatopia - Unleash your creativity in songwriting with lyric generation and genre exploration.

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3. Clipdrop - The ultimate ecosystem of apps, plugins & resources for all creators, powered by artificial intelligence.

4. Podshorty - Turn long videos into compact audio digests, seamlessly maintaining the original speakers' voices!

5. VenturusAI - An AI-powered tool that analyzes business ideas and generates reports. The tool uses GPT-3 technology to provide results and feedback on how to make business ideas successful.

💰 Crypto Rookies’ Corner 📈

The Perfect Cold Hardware Wallet.

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DISCLAIMER: None of this is financial advice. This newsletter is strictly educational and is not investment advice or a solicitation to buy or sell any assets or to make any financial decisions. Please be careful and do your own research.TBATBA