Business

Artificial intelligence is likely to displace workers from jobs in a way comparable to the Industrial Revolution, the governor of the Bank of England has warned, as concerns grow over the impact of the technology on entry-level employment and younger workers.

Andrew Bailey said the rapid adoption of AI across the economy made it essential that the UK invested in training, education and skills to help workers transition into new roles created by the technology. Without those foundations, he cautioned, the labour market risked becoming more fragmented.

Speaking on BBC Radio 4’s Today programme, Bailey said people seeking work would find it “a lot easier” if they had the skills needed to work alongside AI, but acknowledged mounting worries about the effect on the career pipeline for younger and less experienced professionals.

“We do have to think about what it’s doing to the pipeline of people,” he said. “If it’s people working with AI, I’m not sure it will change the pipeline, but we’re right to keep a close eye on that.”

AI has become increasingly embedded in everyday life and business operations, with companies using the technology to process vast volumes of data, identify patterns and automate complex tasks. While the productivity benefits are widely acknowledged, there is growing unease about its impact on hiring, particularly in junior professional roles.

Official figures released this week showed the UK unemployment rate rising to 5.1 per cent in the three months to October, with younger workers bearing the brunt. The number of unemployed 18 to 24-year-olds rose by 85,000 over the period, the sharpest increase since late 2022.

Some economists argue that higher minimum wages and increased employment taxes have made firms more cautious about recruiting at the entry level. Others say AI adoption is already reshaping hiring decisions, with companies relying more on technology and fewer junior staff.

Professional services firms are among those reassessing their workforce needs. PwC’s global chairman, Mohamed Kande, recently said the firm was scaling back headcount growth as AI takes on work that would previously have required teams of consultants. Tasks that once took weeks can now be completed in minutes using AI models, he said.

Bailey said anxieties about technological disruption were nothing new, noting that similar fears had surfaced repeatedly throughout history. He cited concerns raised during the Industrial Revolution, which ultimately did not cause mass unemployment but did lead to significant job displacement.

“My guess would be that AI may well have a similar effect,” he said. “It didn’t cause mass unemployment, but it did displace people from jobs, and we need to be prepared for that.”

Despite the risks, Bailey described AI as the most likely driver of the next phase of UK economic growth, particularly through its potential to lift productivity. However, he cautioned that history suggested it could take time before those gains were fully realised.

The Bank of England itself is experimenting with AI, although Bailey said its use, like that of many institutions, remained at an early stage. “To get it into mainstream, everyday use will take some time,” he said, adding that putting the right conditions in place was “critically important”.

Bailey also acknowledged growing concerns about a potential AI bubble, with some technology companies commanding valuations reminiscent of the dotcom era. The central bank has warned that a sharp correction could pose risks to financial stability.

“We have to watch the valuation question,” he said. “Most of the big companies are generating cash flow, but that doesn’t mean they’ll all be winners. We’re watching it very closely because we need to understand the consequences of any sharp unwinding.”

The comments underline a growing consensus among policymakers that while AI offers significant opportunities for growth, its impact on jobs, skills and market stability will require careful management in the years ahead.

Read more:
AI likely to displace jobs in a modern Industrial Revolution, warns Bank of England governor

Trump Media & Technology Group, the company behind President Donald Trump’s Truth Social platform, is set to merge with fusion energy company TAE Technologies in a deal valuing the combined business at more than $6bn (£4.4bn).

The tie-up, announced by the two companies on Thursday, marks a striking strategic pivot for Trump Media, taking it beyond social media and financial products into the fast-developing world of next-generation energy. The firms said the transaction would create one of the world’s first publicly listed fusion energy companies.

Fusion power, long touted as a potential holy grail of clean energy, generates electricity by replicating the reactions that power the sun, releasing vast amounts of energy with minimal radioactive waste. While commercial viability has remained elusive, renewed interest has been fuelled by surging electricity demand, particularly from artificial intelligence data centres, and the search for reliable low-carbon power.

Under the terms of the agreement, Trump Media and TAE Technologies will each hold a 50 per cent stake in the combined business once the transaction completes, which is expected by mid-2026, subject to regulatory and shareholder approval. The new group plans to begin construction of what it claims will be the world’s first utility-scale fusion power plant as early as next year, with additional facilities to follow.

The merged company will be overseen by a nine-member board, including Trump Media chief executive Devin Nunes, who will serve as co-chief executive, and Donald Trump Jr. TAE Technologies’ leadership team will also retain significant influence over the company’s scientific and engineering direction.

TAE Technologies, which counts Google and Goldman Sachs among its backers, has raised more than $1.3bn in private funding. Alongside its fusion research, the group develops energy storage and power delivery technologies for batteries and electric vehicles, while its life sciences arm applies related technology to cancer treatments.

Devin Nunes described the deal as a step towards “a revolutionary technology that will cement America’s global energy dominance for generations”, calling fusion power the most significant energy breakthrough since the mid-20th century. He said Trump Media would provide the capital and access to public markets needed to help bring the technology closer to commercial reality.

As part of the merger, Trump Media will inject up to $200m (£149m) in cash into TAE Technologies at completion, with a further $100m (£74.7m) available once the transaction is formally registered.

The move comes as Trump Media continues to struggle financially. The company, which derives most of its revenue from advertising on Truth Social, has posted consistent losses since its launch. In its most recent quarterly results, it reported declining revenues and a net loss of $54.8m (£40.9m).

Despite those challenges, the merger signals an ambitious attempt to reposition Trump Media as a player in one of the most capital-intensive and politically strategic sectors of the global economy, at a time when governments and investors alike are racing to secure long-term, low-carbon energy supplies.

Read more:
Trump Media to merge with fusion energy firm in $6bn bid to enter nuclear power race

Millions of people could soon be able to spend more than £100 with a single tap of their bank card, after the financial regulator confirmed plans to lift the current contactless payment limit.

From March, banks and card providers will be allowed to set their own maximum limits for contactless payments, including the option of removing the cap altogether, without requiring customers to enter their PIN. The Financial Conduct Authority (FCA) has also encouraged firms to give customers greater control, such as allowing them to set their own limits or disable contactless payments entirely.

The move marks a significant shift from the long-standing £100 cap, although the FCA stressed that it does not expect banks to raise limits immediately. Instead, firms will be given flexibility to adapt their products over time in response to consumer demand and technological change.

Contactless payments were first introduced in the UK in 2007 with a £10 limit. That ceiling has steadily risen over the years, reaching £100 in 2021 following a series of increases accelerated by the Covid pandemic. By contrast, smartphone payments using biometric security such as fingerprint or facial recognition already allow unlimited spending.

Despite the regulatory change, appetite for higher limits appears muted. An FCA survey conducted during the consultation found that 78 per cent of consumers did not want the £100 limit changed. Many respondents cited concerns over fraud, theft and accidental overspending.

Those worries have been echoed by academics and consumer groups, who warn that higher or unlimited contactless limits could make cards more attractive to criminals. While safeguards already exist — such as requiring a PIN after a series of contactless transactions — critics argue that removing the cap could increase risk, particularly if a card is stolen.

There are also concerns about spending behaviour. Unlimited contactless payments could encourage impulsive purchases, especially on credit cards, where consumers are borrowing rather than spending their own money. Financial abuse charities have warned that higher limits could make it easier for abusers to drain victims’ accounts without immediate detection, while also accelerating the shift towards a cashless society.

The FCA said consumers would still be protected against fraud losses. David Geale, the regulator’s executive director of payments and digital finance, said the aim was to balance flexibility with safety.

“Contactless is people’s favoured way to pay,” he said. “We want to make sure our rules provide flexibility for the future, and choice for both firms and consumers.”

Industry bodies have sought to reassure customers that any changes would be cautious. Jana Mackintosh, managing director of payments and innovation at UK Finance, said banks would ensure “strong security and fraud controls remain in place”.

Several other countries, including Canada, Australia and New Zealand, already allow card providers to set their own contactless limits.

The announcement comes as efforts continue to preserve access to cash for those who rely on it. Cash Access UK said this week it has opened its 200th shared banking hub, offering face-to-face services in communities affected by branch closures.

While the £100 cap may soon be history, how far banks choose to push contactless limits — and how many customers opt in — remains to be seen.

Read more:
£100 contactless card limit to be lifted as banks gain freedom to set higher caps

The UK has named veteran diplomat Christian Turner as its new ambassador to the United States, replacing Lord Peter Mandelson, Downing Street has confirmed.

Turner, a career Foreign Office official with nearly three decades of experience across Whitehall and overseas postings, will take up one of Britain’s most senior diplomatic roles at a pivotal moment in the transatlantic relationship. His appointment follows the departure of Mandelson, who was removed by Prime Minister Sir Keir Starmer after evidence emerged of his continued association with the late Jeffrey Epstein.

The Foreign Office said King Charles has formally approved Turner’s appointment, with the UK now seeking the customary agrément from Washington. In a brief statement, the White House said it looked forward to working with Turner to “further enhance the strong relationship between the United States and United Kingdom”.

Turner said he was “honoured” to be nominated, adding that the timing of the role underlined its importance. “At a pivotal time for the transatlantic relationship, I look forward to working with President Trump’s administration, and leaders in Congress, business and society, to strengthen that bond in the years ahead,” he said.

His arrival in Washington comes as UK–US relations face a series of diplomatic tests. Chief among them is Donald Trump’s push for a rapid resolution to the war in Ukraine, a stance that has unsettled European leaders concerned that a quick settlement could undermine the continent’s long-term security. Turner will also be required to engage with Washington over a long-anticipated technology deal, which has been delayed amid criticism from some US lawmakers and officials of the UK’s online safety regime.

Earlier this month, a US national security strategy document signed by Trump warned that Europe faced “civilisational erasure” and questioned the reliability of certain allies, highlighting the increasingly complex environment Turner will have to navigate.

Sir Keir Starmer has sought to maintain close relations with Trump’s administration, including hosting the US president on a second state visit in September, during which Trump spoke of the “unbreakable bond” between the two countries. However, Mandelson’s abrupt departure days before that visit underlined the political sensitivity surrounding the ambassadorial post.

Turner’s background is firmly rooted in diplomacy. His previous roles include political director at the Foreign Office, British high commissioner to Pakistan, and director for the Middle East and North Africa. He has also served in No 10 as a private secretary to the prime minister. Before entering government, he worked in television documentaries.

Sir Keir said Turner’s appointment reflected the importance of the role. “The United Kingdom and United States have a very special relationship, and Christian’s extensive experience as an outstanding diplomat will support this uniquely close bond and ensure it continues to flourish,” he said.

Foreign Secretary Yvette Cooper added that Turner would bring “exceptional diplomatic experience and deep understanding” to the post. The ambassadorial role in Washington is widely regarded as one of the UK’s most influential diplomatic appointments, carrying significant political, economic and security responsibilities.

Read more:
UK appoints career diplomat Christian Turner as new ambassador to Washington

TikTok has taken a decisive step towards securing its future in the United States after its Chinese owner, ByteDance, signed binding agreements with a group of US and international investors to operate the app’s American business.

In a memo to staff on Thursday, TikTok’s chief executive, Shou Zi Chew, confirmed that the deal will see a new joint venture take control of the platform’s US operations, bringing to an end years of political uncertainty and the threat of an outright ban on national security grounds. The transaction is expected to complete on 22 January.

Under the agreement, a consortium of investors including Oracle, Silver Lake and Abu Dhabi-based MGX will collectively own half of the new entity. ByteDance will retain a 19.9 per cent stake, while the remaining shares will be held by affiliates of existing ByteDance investors. Oracle, Silver Lake and MGX will each take a 15 per cent holding.

The deal aligns with a framework unveiled in September, when US President Donald Trump delayed enforcement of legislation that would have banned TikTok unless its US operations were sold. That law, passed by Congress in April 2024 under the Biden administration, had been due to take effect on 20 January 2025 but was repeatedly postponed as negotiations continued.

TikTok said the agreement would allow “over 170 million Americans to continue discovering a world of endless possibilities” on the platform. The White House has previously indicated that Oracle will license TikTok’s recommendation algorithm as part of the arrangement, with safeguards designed to address concerns over foreign influence and data security.

The path to the deal has been marked by geopolitical tension. Trump said in September that he had spoken directly with Chinese president Xi Jinping, claiming Beijing had given its approval. However, the app’s fate remained uncertain after US-China relations were strained by trade disputes and broader strategic rivalry.

Alvin Graylin, a lecturer at the Massachusetts Institute of Technology, said the agreement reflected a shift in tone between the two powers. He described TikTok as having become “a bargaining chip in the wider US-China relationship”, adding that China’s approval now looked like “calibrated de-escalation” rather than capitulation.

Not everyone is convinced the deal resolves underlying concerns. Senator Ron Wyden, a Democrat from Oregon, warned that the agreement may do little to protect Americans’ data privacy or prevent algorithmic influence. TikTok has said its recommendation system will be retrained on US user data to reduce the risk of external manipulation.

Among creators and businesses that rely on the platform, reaction has been cautious but hopeful. Tiffany Cianci, a small business owner with hundreds of thousands of followers on TikTok, said she hoped the new ownership structure would preserve the platform’s appeal to entrepreneurs. TikTok estimates that more than seven million small businesses in the US use the app to market their products and services.

With the deal now signed, TikTok appears to have bought itself stability in its largest overseas market. Whether the new structure fully satisfies lawmakers, regulators and users alike will become clear only after the joint venture begins operating under its new ownership.

Read more:
TikTok owner signs landmark deal to avert US ban

In 2025, staking has taken center stage in the crypto economy — turning passive ownership into an income-generating strategy. It’s the digital-age equivalent of putting your money to work instead of leaving it to gather dust.

While trading demands timing and nerve, staking rewards patience. You lock in your coins, support blockchain security, and in return, earn a slice of network rewards.

But not all exchanges treat staking equally. Some offer higher yields but limit flexibility; others prioritize accessibility with instant rewards. Security, reward transparency, and fee structures vary widely across platforms. For long-term investors, finding a balance between yield and trust is key.

We’ve reviewed the top crypto exchanges for staking in 2025, evaluating each on usability, rewards, and reliability. Whether you’re staking Solana or exploring DeFi newcomers, these five platforms offer strong options to grow your crypto over time.

CEX.IO – The Overall Best Exchange for Crypto Staking

Overview

Since 2013, CEX.IO has carved a name as one of the most versatile and user-friendly platforms for investors worldwide. Available in over 185 countries, it bridges the gap between trading, earning, and spending crypto. What truly distinguishes CEX.IO in 2025 is its refined Earn ecosystem, where Crypto Staking and Savings products help users compound their holdings effortlessly.

Staking with CEX.IO feels less like speculation and more like a long-term financial strategy. It’s the type of platform that rewards patience — quite literally. With staking yields reaching up to 30% annually, depending on the asset, and a daily payout schedule, users see steady returns without micromanaging their investments.

The platform has paid over $465,000 in total staking rewards across 25,000+ clients, with a staking asset pool surpassing $42 million — numbers that speak volumes about trust and scale.

Ease of Use

CEX.IO’s mobile app and desktop platform are built for clarity. You don’t need to decode cryptic dashboards or run validator nodes; simply hold supported coins in your account, and staking starts automatically.

The experience is remarkably beginner-friendly. The staking section displays estimated annual rewards, reward coins, and even projected daily and monthly returns — so users can visualize how their assets are working for them. The app conveniently breaks this down by token; for instance, staking 100 AVAX yields roughly 5 AVAX per year, with daily earnings visible in both crypto and USD equivalents.

Navigating between staking, trading, and withdrawals is seamless, and you can stake while maintaining liquidity for future trades — ideal for investors balancing passive income and market opportunities.

Features

CEX.IO’s suite of features gives it an edge:

Crypto Staking: Rewards of up to 30% annually on assets like Cosmos (ATOM), Polkadot (DOT), and Ontology (ONT).
Crypto Savings: Flexible yield accounts with up to 5% annual returns.
Instant Buy: Allows fast purchases at market rate — perfect for users entering a staking position.
Spot and Margin Trading: With leverage up to 20×, investors can diversify and rebalance without leaving the platform.
CEX.IO Crypto Debit Card: (EEA residents only) Spend staked earnings or fiat balance instantly online and in-store.
CEX.IO Pay: Instant, zero-fee crypto transfers between users, helpful in compounding staking gains.

The platform also offers a Crypto Converter, letting users exchange crypto, fiat, or stablecoins instantly — a handy feature for moving funds between staking positions or rewards. And as a bonus for new users, CEX.IO occasionally runs promotions offering a welcome bonus crypto, helping beginners kickstart their staking portfolio without added risk.

Payment Methods

CEX.IO provides one of the industry’s broadest selections of payment methods, supporting nearly every funding preference. Users can deposit and withdraw via credit or debit cards (Visa, Mastercard), bank accounts, Google Pay, Apple Pay, Skrill, Neteller, Epay, MoneyGram, Discover, Venmo, Payoneer, Wise, and Revolut.

This flexibility allows users across continents to move funds conveniently, with automatic currency conversion where needed.

Licensing

CEX.IO adheres to PCI DSS Level 1 security protocols. These measures ensure compliance and payment safety, reinforcing CEX.IO’s reputation as a trustworthy global exchange.

With a transparent staking system, competitive yields, and exceptional accessibility, CEX.IO is a standout platform for anyone looking to make their crypto holdings truly productive in 2025.

Coinbase – Best for Accessible and Automated Staking

Overview

Founded in 2012, Coinbase has long served as the entry point into cryptocurrency for millions of users. With its clean design and compliance-driven structure, it brings legitimacy to an industry often seen as opaque. Coinbase’s staking service reflects that ethos — simple, automatic, and reliable, albeit with modest yields compared to some competitors.

Coinbase’s model focuses on accessibility. It’s the go-to platform for users who prefer consistent returns with minimal maintenance.

Ease of Use

Coinbase’s interface is among the easiest in the business. You can stake supported coins like Ethereum, Solana, or Cardano in just a few clicks. The platform automatically handles validator selection, network participation, and reward distribution.

Once staked, your balances accrue rewards passively, and earnings appear directly in your portfolio. The app provides transparency with real-time APY updates and network-based adjustments. For users staking ETH, Coinbase also offers liquid staking, allowing trading of staked ETH through its wrapped derivative, cbETH.

Features

Automated Staking: Minimal effort required; simply hold supported coins.
Coinbase Earn: Educational modules that let users earn small token rewards while learning.
Recurring Buys: Perfect for dollar-cost-averaging into staking positions.
Coinbase Wallet: Enables self-custody staking through decentralized applications.
Institutional Staking: Secure, enterprise-level staking for funds and companies.

The yields range between 3% and 8% for most supported assets, depending on network conditions.

Payment Methods

Coinbase supports ACH, SEPA, Faster Payments, wire transfers, and PayPal in select regions, along with credit and debit cards. Deposits and withdrawals are intuitive, with transparent fees displayed upfront.

Its streamlined fiat gateways make it ideal for investors who prioritize simplicity and regulatory oversight.

Licensing

Coinbase is a publicly traded company on NASDAQ (COIN) and operates as a licensed entity across multiple U.S. states. It maintains insurance on custodial holdings and adheres to stringent AML/KYC policies.

While Coinbase’s staking yields might not lead the pack, its clarity and trust factor make it one of the safest places to earn passive income from your crypto.

Binance – Best for High Variety and Flexible Staking

Overview

Binance, the global trading giant, remains a powerhouse in staking options. With hundreds of supported coins and flexible duration products, it’s a paradise for those who love choice. In 2025, Binance continues to dominate liquidity and staking diversity, offering yields ranging from 1% to over 30% depending on asset and lock-up period.

Ease of Use

Despite its depth, Binance accommodates both beginners and professionals. The Earn section clearly divides staking into “Locked” and “Flexible” options. Users can preview APYs, lock-up times, and available quotas instantly.

The Binance App streamlines the staking journey, allowing you to subscribe, redeem, or auto-renew positions on the go. For long-term investors, it’s like having a yield dashboard in your pocket.

Features

Flexible Staking: Withdraw anytime without penalties, with lower APYs.
Locked Staking: Higher yields for set durations (30, 60, 90 days).
Launchpool: Let users earn tokens from new projects by staking existing assets.
Dual Investment: Combines staking with market-linked returns.
Binance Academy: Educational tools for investors exploring yield mechanics.

Yields vary widely but can reach impressive highs, especially for emerging proof-of-stake (PoS) projects.

Payment Methods

Binance supports bank transfers, credit/debit cards, SEPA, Faster Payments, and localized P2P options. Its network of regional partners ensures low deposit and withdrawal friction.

Fiat and crypto transfers between Binance accounts remain free, adding efficiency for users reinvesting staking rewards.

Licensing

Binance’s structure includes licensed entities in France, Italy, and Australia, with Binance.US handling American operations. Despite its global complexity, it continues to expand compliance frameworks and publish proof-of-reserves data to reassure users.

For those who prioritize high yields and coin selection, Binance remains unmatched in flexibility and innovation.

Kraken – Best for Transparent and Secure Staking

Overview

Kraken, one of the industry’s oldest and most respected exchanges, brings a level of rigor and trust rarely seen elsewhere. Its staking program, built on institutional-grade infrastructure, is straightforward yet highly reliable. Kraken prioritizes transparency — reward rates, intervals, and supported assets are clearly published and regularly audited.

Ease of Use

Kraken’s design philosophy is functional clarity. The staking interface lists supported assets, current APYs, payout frequency, and reward coin type. Users can stake directly from their account balance without navigating multiple pages.

Rewards are typically distributed twice per week, providing a consistent income stream. The Kraken App keeps the process frictionless for users staking small or large portfolios alike.

Features

On-chain Staking: Supports Ethereum, Polkadot, Cardano, and more.
Off-chain Staking: Yields on assets that don’t natively support staking, like stablecoins.
Kraken Pro: Access to advanced analytics for those who monitor ROI closely.
Proof of Reserves: Publicly verifiable audits proving all client assets are backed 1:1.
Security Tools: Two-factor authentication, withdrawal whitelists, and encrypted data.

Kraken’s yields range between 1% and 20% annually, depending on the token. While not the highest, its reliability and transparent mechanics make it ideal for conservative investors.

Payment Methods

Kraken supports SWIFT, SEPA, FedWire, and Faster Payments, as well as limited card deposits in some regions. Withdrawals are clear-cut with published flat fees, making financial planning straightforward for yield-focused investors.

Licensing

Registered as a Money Services Business in the U.S. and licensed in various global jurisdictions, Kraken stands out for operational integrity. It was one of the first exchanges to undergo proof-of-reserves audits, cementing its image as a fortress of trust.

For investors who value peace of mind over flashy returns, Kraken offers the steady hand of experience.

Crypto.com – Best for Mobile Staking and Everyday Rewards

Overview

Crypto.com brings staking into everyday life. Founded in 2016 and now serving over 80 million users, it fuses investment and lifestyle through its signature Crypto.com Earn and Visa Card programs. The platform turns staking from a background investment into a visible, daily benefit system.

Ease of Use

The Crypto.com App is built for speed and simplicity. After verifying your account, you can access Crypto Earn within seconds, choosing flexible or fixed-term durations for your assets. The app calculates projected interest instantly, showing both crypto and fiat equivalents.

It’s designed for mobile-first investors who want to manage rewards, reinvest, or spend staking yields from a single dashboard.

Features

Crypto Earn: Offers returns up to 12% annually on primary tokens and stablecoins.
Crypto.com Visa Card: Converts crypto rewards to fiat for everyday purchases with cashback paid in CRO.
DeFi Wallet: Allows non-custodial staking for users who prefer direct blockchain interaction.
NFT Marketplace: Diversifies reward usage beyond saving and trading.
Crypto.com Pay: Enables instant, zero-fee transfers between users.

Together, these tools create a circular ecosystem where staking fuels real-world spending and further earning opportunities.

Payment Methods

Crypto.com supports credit/debit cards, bank transfers, and Apple Pay/Google Pay integrations. Card top-ups and withdrawals are processed quickly, and the app clearly displays any associated fees before confirmation.

Its broad fiat coverage makes staking accessible to users in North America, Europe, and the Asia-Pacific alike.

Licensing

Crypto.com operates under multiple Virtual Asset Service Provider (VASP) licenses and performs regular proof-of-reserves audits. Its transparent structure and strong compliance record make it a trusted choice for users who value convenience backed by accountability.

For those who prefer managing everything from a smartphone — earning, spending, and tracking yields — Crypto.com is the ideal companion.

Final Thoughts

Staking in 2025 isn’t just a trend — it’s the backbone of the new digital yield economy. From securing blockchains to rewarding holders, it’s a model that empowers patience over panic.

Among today’s leading platforms, CEX.IO stands tall as the most balanced choice for staking. With competitive yields, automatic participation, and one of the broadest selections of supported coins, it transforms passive ownership into a genuine income stream. Its intuitive app, diverse payment methods, and added perks like occasional bonuses make it the all-in-one solution for investors who want their assets to grow steadily.

Meanwhile, Coinbase, Binance, Kraken, and Crypto.com each shine in their own right — from Coinbase’s simplicity to Binance’s breadth, Kraken’s transparency, and Crypto.com’s lifestyle integration.

The moral of the story? In crypto, patience really does pay — especially when your coins are working hard, even while you sleep.

Read more:
Top Crypto Exchanges for Staking in 2025

Are you running a small business that’s growing? Congratulations. Chances are that you’re dealing with several things at once.

Maybe you’re managing your team and chasing invoices, all while trying to find five minutes for lunch. Your plate is full. It’s because of this that you may forget about waste management.

You might not realise it, but inefficient waste disposal can cost you time, money, and impact your team’s productivity. All that debris adds up, quickly. If you’re based in the capital, finding reliable Skip Hire in London can be a crucial piece of your operational puzzle. Let’s dive into three powerful reasons why.

You’ll Boost Productivity

Think about how you currently handle waste. Are your team members spending valuable work hours making multiple trips to the local dump? Are they bagging up endless amounts of waste, or worse, dealing with overflowing bins? Every minute they spend on these tasks is a minute they aren’t spending on revenue-generating activities, serving customers, or doing the specialised work you hired them for.

If your skilled electrician is hauling scrap metal instead of wiring a new circuit, or your star barista is lugging cardboard boxes instead of making lattes, you’re losing out on their core value.

Smart skip hire consolidates all that wasted effort. You get one big container, they fill it up, and then it’s gone. Simple. Efficient. By having a dedicated skip on site, available whenever your team needs it, you free them up to focus on what truly matters. Those hours spent on waste disposal will be reallocated to growing your business, improving customer experience, or innovating your product or service.

You’ll Avoid Costly Fines

Navigating waste disposal regulations can be a minefield, especially for small businesses without a dedicated compliance team. There are rules about what kind of waste can be mixed, how certain materials must be disposed of, and even limits on how long waste can sit on your property. Ignore these at your peril, because the penalties for non-compliance can be hefty and reputation damaging.

Consider hazardous waste, for instance. If you’re a small manufacturing firm or even a busy garage, you’ll generate materials that can’t just go in a regular bin. Improper disposal can lead to significant environmental fines, legal action, and a PR nightmare that takes years to recover from. Is that a risk worth taking?

Professional skip hire companies are experts in waste management compliance. They know the local regulations inside and out, and can advise you on what can and cannot go into your skip. Most importantly, they’ll ensure your waste is disposed of legally and responsibly.

You’ll Manage Your Budget Better

When it comes to waste, if you’re relying on ad-hoc trips to the local tip, paying per bag for commercial waste, or constantly upgrading to bigger, more expensive council bins, your costs can fluctuate wildly. This makes budgeting a nightmare and can eat into your profit margins.

With skip hire, you get a clear, upfront quote for the size of the skip you need and the duration you’ll have it. This makes waste disposal a fixed, predictable expense that you can easily factor into your operational budget. No more surprise charges, no more last-minute scrambles to deal with excess waste. You know exactly what you’re paying, and for what.

Such a predictability also allows for much better financial planning. You can allocate your resources more effectively, confidently knowing what your waste management costs will be for a project or a specific period. For a small business always looking to optimise cash flow and financial stability, this level of control over expenses is incredibly beneficial.

Summing Up

It’s easy to dismiss waste management as just another necessary evil, but for growing small businesses, smart skip hire is an important thing to consider. Make a conscious decision to invest in efficient waste disposal today and you’ll clean up your workspace, and bottom line and set up your business for sustained, cost-effective growth.

Read more:
3 Reasons Smart Skip Hire Is a Cost-Saving Move for Growing Small Businesses

You’re getting solid results. ROAS looks healthy. You go to increase your daily budget and Facebook refuses to let you go beyond $50.

Frustrating? Definitely.
Random? Not at all.

What you’re running into isn’t a mysterious bug. It’s part of Meta’s risk and pacing system — and once you understand how it works, you can plan around it instead of fighting it.

Daily Budget vs. Account Spending Limits

First, it helps to separate two different concepts:

Campaign/ad set daily budget – the number you enter in Ads Manager
Account-level spending limits and caps – invisible guardrails Meta sets based on your history

Meta sets daily spending limits for many advertisers to protect the platform from fraud and payment failures, especially on newer accounts or those without much billing history.

If their system thinks jumping from $20/day to $1,000/day looks risky, it will quietly stop you at a lower ceiling — often around $50 in the early stages.

You’re experiencing risk management, not discrimination.

Why $50 Specifically?

The exact cap varies, but a $50/day soft ceiling shows up often when:

The ad account is relatively new
You’ve only made a few successful payments
You’re still running on small budgets with short histories
Your business verification and billing profile are thin

From Meta’s perspective, this is a “trust runway.” Once you spend consistently, pay on time, and keep disputes low, the algorithm becomes more comfortable increasing these internal caps.

How Meta Decides If You’re “Safe” to Scale

Meta looks at a mix of signals:

Payment history – have you hit previous thresholds without chargebacks or declined cards?
Account age and stability – how long has the account been active, and are you constantly creating/deleting campaigns?
Policy compliance – any disapprovals, policy violations, or disabled assets along the way?

If those signals look healthy over time, limits usually relax automatically. There’s no magic support email that unlocks $10k/day out of the blue — you “earn” your way up.

What You Can Control Today

You may not be able to instantly remove the $50 limit, but you can do a lot with that ceiling while you build trust.

1. Tighten targeting and goals

At lower budgets, broad experiments are expensive.

Focus on one or two high-intent audiences
Optimize for a clear conversion (lead, purchase) instead of softer metrics
Cut underperforming creatives quickly and give winning ads the full $50/day

The more efficient your results, the stronger your case when Meta’s systems reassess your account.

2. Let campaigns run long enough

Meta’s budget systems assume you’re running campaigns at least a week at a time, not flipping them on and off daily. Their own documentation notes that daily budgets are averaged over about a week and may fluctuate by up to 75% above your set amount on strong days.

If you’re constantly resetting campaigns, the system never sees a stable pattern to trust.

3. Strengthen your payment setup

Payment failures and random declines are bright red flags.

Instead of running everything through a single overworked credit card, many modern teams are shifting to controlled payment infrastructure — for example, using a virtual card for fb just for Meta ads. Dedicated cards let you:

Set clear per-card limits so you never unintentionally spike spend
Avoid mixing ad charges with hundreds of other SaaS subscriptions
Replace a card instantly if something gets blocked, without disrupting your entire banking setup

Stable, predictable billing is exactly what Meta’s risk systems like to see.

How to Move Beyond the $50 Ceiling Over Time

There’s no guaranteed timeline, but you can nudge things along:

Maintain consistent spend
Don’t yo-yo from $5 to $50 to $0. Pick a sustainable level and hold it for a few weeks.
Increase budgets gradually
When the system does allow increases, step up in 20–30% increments, not 10x jumps. This feels safer to automated risk checks.
Complete business verification
A clean business profile, verified domain, and matching invoices make you look less like a burner and more like a real company.
Stay squeaky-clean on policies
A couple of rejected ads isn’t the end of the world — but constant disapprovals create an “unstable” reputation. Fix issues, read policy emails, and don’t try to sneak in grey-area content

When a $50 Cap Is Good Discipline

There’s a silver lining: a $50/day limit forces discipline.

You have to be choosier with audiences
You have to write sharper creative and offers
You have to look at meaningful KPIs, not vanity metrics

By the time Meta is ready to let you scale beyond $50/day, you’ll have a system that actually deserves more money.

And instead of seeing daily caps as handcuffs, you’ll see them for what they really are: training wheels that keep your cash and your account intact while you prove the model works.

Read more:
Why Are Your Facebook Ads Stuck at a $50 Daily Budget?

Online gambling continues to gain traction, especially as digital platforms become more accessible.

Players aren’t just looking for entertainment; they want platforms that operate transparently, process payments securely, and follow legal standards. Regulation has become central to that experience.

Businesses that rely on trust and long-term customer engagement have a lot to gain from understanding how licensed online casinos operate. These platforms show how regulation and transparency can support both compliance and commercial success.

Why Regulation Matters in the Online Casino Sector

Licensed platforms are subject to regular checks and conditions set by recognised authorities. This legal framework exists to prevent fraud, promote fair play, and ensure that payouts are processed properly. Regulation also aims to restrict underage access and support those who may be vulnerable to gambling-related harm.

Operators who meet licensing standards must offer terms that are transparent. That includes how bonuses work, how player data is stored, and how customer disputes are resolved. With oversight in place, users can better understand what they’re signing up for — and what to expect if issues arise.

Unlicensed platforms, on the other hand, might not meet any of those requirements. They may still look legitimate on the surface, but without regulatory backing, users are exposed to greater risks. That includes sudden account closures, withheld winnings, or misleading terms.

A proper licensing system helps raise industry standards. It also sets a benchmark for digital service providers outside of gambling who may deal with financial transactions or sensitive personal data.

The Business of Compliance: How Licensed Casinos Gain Trust

Licensed platforms invest in verification, technology, and transparency. These aren’t just regulatory checkboxes; they’re also what make users return. A secure platform that delivers consistent service earns trust, and that trust supports long-term business value.

Businesses that operate under licence gain access to safer payment systems and advertising channels that may be restricted to regulated services. For example, some payment processors or affiliate networks will only partner with verified platforms. That limits exposure to fraud and reduces legal risks across the chain.

It’s also common for licensed platforms to work with third-party testing agencies. These firms audit games, check payout ratios, and issue certifications. When users see those details published clearly, they know the site has been through independent assessment.

Those running unlicensed platforms often rely on aggressive promotions or hidden terms. The short-term approach might bring in traffic, but it doesn’t build a lasting brand. Regulated services take longer to establish, but they offer more security for both the user and the business.

What Users Should Look for in a Legal Casino Site

Reliable platforms make their licence details easy to find. Users should verify the presence of an official registration number and determine which regulatory body has issued it. UK users may be familiar with the UK Gambling Commission, but other authorities, such as the Malta Gaming Authority or the Gibraltar Regulatory Authority, also oversee international services.

Terms and conditions should be accessible and written in clear English. Look for details around deposit and withdrawal methods, timeframes, bonus terms, and dispute procedures. If the site hides these or makes them too complex to follow, that’s a red flag.

Trusted services also invest in encryption and ID checks. This protects user data, prevents underage sign-ups, and ensures that transactions are linked to verified accounts.

Sites like legalnekasynoonline.org help users compare legal online casinos that meet licensing and safety criteria. Their reviews often explain which features are most important, and what separates compliant platforms from those that fall short.

Tools like this make it easier for users to make informed choices without needing to read through every line of fine print.

Global Trends: How Regulated Casino Markets Are Evolving

Digital gambling is no longer limited to one region. Cross-border platforms now serve millions of users, and regulators are responding by improving cooperation. Some are sharing data, while others are aligning compliance models to reduce risk and confusion.

As licensing becomes more standardised, regulators are also introducing stronger tools for consumer protection. These include affordability checks, session limits, and responsible gambling messages that appear during use.

Technology is playing a bigger role, too. Automated systems now track user activity to identify patterns linked to harm. While not perfect, these tools demonstrate the industry’s commitment to compliance.

At the same time, countries are updating their laws to reflect user behaviour and platform capability. That includes limiting stake sizes, requiring real identity verification, and imposing higher fines on unlicensed operators.

With every change, the message is clear, safe online access needs more than a sign-up form. Regulation is no longer seen as optional, but as a signal that a business is serious about quality.

The Impact of Regulation on User Experience and Market Growth

Well-regulated platforms reduce friction. Users don’t need to worry about losing funds, being misled by promotions, or waiting weeks for withdrawals. This creates a smoother experience and increases confidence.

For businesses, that trust translates into long-term growth. Licensed casinos are better able to attract repeat users and form stable partnerships. Advertising becomes easier too, since many platforms now check for licensing before running campaigns.

Regulated markets tend to show fewer complaints and higher satisfaction rates. Users know their rights and where to go if things go wrong. They’re also more likely to use a service again if it treats them fairly.

Instead of cutting corners, businesses that invest in licensing benefit from stability. They can plan for the future, scale services, and maintain a strong reputation without constantly fighting off legal or reputational issues.

Make Informed Choices with Regulated Platforms

Trust takes time to build, especially online. Licensed casino platforms help by meeting agreed standards and offering services that are transparent, fair, and secure. These principles apply to any online business that deals with money, data, or user safety.

For anyone using online services, it pays to check that the platform operates under a recognised licence. This small step can make a big difference, whether you’re spending money, sharing information, or just exploring options.

Take the time to review before you click. A regulated service is more likely to deliver what it promises, without surprises later.

Read more:
Licensed Casinos and the Growth of Regulated Online Markets

Expanding into new markets often exposes teams to payroll hurdles that slow growth and create compliance risks.

Different countries have unique tax laws, payment systems, and employment rules that make managing payroll across borders complex. An Employer of Record (EOR) helps simplify these challenges so growing teams can stay focused on business goals instead of payroll headaches.

As companies scale across regions, they face new obstacles related to paying staff accurately, managing currencies, and meeting local labor regulations. The right EOR partner acts as a guide through this process, handling these complexities with clarity and structure. This article explores how EOR solutions solve payroll challenges that emerging global teams face.

Compliance with local labor laws and tax regulations

Hiring across borders can create problems with labor laws, taxes, and payroll obligations. Each country sets its own rules, and any mistakes can lead to delays, penalties, or disputes. Partnering with an EOR helps companies meet those legal standards while maintaining accurate employment records and payroll.

Borderless AI serves as the legal employer for global staff, managing contracts, taxes, and benefits in accordance with local laws. It helps businesses follow regional employment standards without creating entities in multiple countries.

Its platform correctly handles withholding taxes, statutory contributions, and other payroll deductions. This removes guesswork and keeps records aligned with each jurisdiction’s requirements.

Combining technology with on-the-ground compliance support allows teams to focus on growth rather than administration. As a result, companies maintain smoother operations and lower the risk of labor or tax violations abroad.

Managing multi-currency payroll and foreign exchange issues

Expanding into new countries brings payroll challenges that can weaken financial control if not handled well. Each location may follow different banking rules and currency systems, which can create confusion for internal HR and finance teams. Exchange rate shifts can also affect payroll accuracy and employee satisfaction.

An EOR helps businesses simplify multi-currency payroll by handling payments in each local currency while maintaining compliance with local laws. This approach reduces administrative work and limits mistakes linked to manual conversions. It also helps employers meet payment deadlines without delays caused by fluctuating exchange rates.

In addition, EORs often use technology that applies real-time rates to payroll calculations. This gives companies a clearer picture of payment costs across markets. As a result, teams can plan budgets better and reduce unexpected losses connected to currency movements.

Guaranteeing timely and accurate international payments

Global payroll can easily lead to delays or mistakes if each country’s rules and deadlines are not followed. Exchange rates, bank processing times, and local holidays add more layers of complexity. Small delays can affect team trust and cause compliance issues.

An Employer of Record helps by managing all local payroll timelines and payment schedules. It handles the correct payment amounts, tax deductions, and benefits based on each country’s laws. As a result, employees receive their pay on time and in the right currency.

Accurate data collection also matters. An EOR verifies employee details, contract terms, and hours worked before processing payments. This extra step reduces common payroll errors and improves transparency across different regions.

With these systems in place, growing teams spend less time fixing payroll issues and more time focusing on business growth and staff satisfaction.

Navigating complex tax withholding and reporting requirements

Payroll taxes create challenges for teams that hire across different states or countries. Each location may have different income tax rates, filing schedules, and reporting standards. Small mistakes can lead to delays, notices, or penalties from tax agencies.

An Employer of Record (EOR) manages these details to keep payroll accurate and compliant. It calculates tax withholdings for each employee based on local rules and files the correct forms at the proper time. This support saves internal teams from tracking frequent regulatory updates.

In addition, the EOR monitors changes in laws so growing businesses avoid mismatched classifications or missed deposits. By coordinating withholding, filing, and reporting, it reduces risk and maintains smooth payroll operations without diverting staff from other work.

Reducing risks associated with employment classification

Employee classification errors can create major legal and financial issues. Incorrectly labeling workers as contractors instead of employees may lead to unpaid taxes, fines, or back wages. Therefore, clear rules and consistent review of each role are important for compliance.

An Employer of Record (EOR) helps companies apply the correct classification criteria. It follows local laws and reviews how each worker fits those standards. This process reduces the chance of disputes with tax or labor authorities.

In addition, an EOR updates records as roles change over time. It checks contracts, payment methods, and work arrangements to confirm they meet legal definitions. As a result, growing teams can focus on expanding business goals while avoiding costly missteps in employment status.

Conclusion

EOR solutions help growing teams handle complex payroll tasks across different countries with far less stress. They allow companies to stay compliant with local tax and labor rules without needing large internal HR or legal groups.

These services also save time by managing details such as benefits, salaries, and payment schedules. As a result, teams can focus on performance and expansion instead of payroll errors or missed deadlines.

In addition, EOR partners create a smoother global hiring process. They reduce risks that come from currency differences and changing labor requirements.

Overall, an EOR gives growing organizations a simple, structured way to manage payroll as they enter new markets. It helps them stay efficient and consistent while reducing complexity.

Read more:
What Payroll Challenges an EOR Solves for Growing Teams?