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Spending Compared With People Your Age — New Federal Numbers
Federal data shows how consumer spending varies across age groups, highlighting differences in expenditure patterns.
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DescriptionNews
Federal data shows how consumer spending varies across age groups, highlighting differences in expenditure patterns.
News
New interest rate for I Bonds offers a 5.51% return, the highest in years, providing a rare high‑yield savings option.
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Analysis of how upcoming U.S. elections may impact economic policy and market outlook.
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Futures point to a lower opening for the Dow after Apple’s earnings pull it down, while chip makers rise ahead of AMD’s upcoming results.
Update
KuCoin has released a new version of its app, KuCoin 5.0, which promises a smoother and more connected experience for users. The app is available for download on both Android and iOS platforms via the Google Play Store and the App Store. The update includes additional features and improved user experience. For installation issues, users can refer to the provided installation guides for Android and iOS. The app is described as secure and reliable, with features such as 1:1 asset protection and access to a wide range of digital assets, including spot and futures trading, institutional services, and payments.
Update
The Aztec Ethereum privacy network has released a major upgrade called Aztec Tierra, version Alpha V6. The upgrade resolves a critical vulnerability from its previous version, adds formal verification of its cryptographic components, and speeds up private transactions. The upgrade also includes an AI-powered security testing harness and cuts the time for Ethereum-to-Aztec messages from two minutes to 12 seconds, improving overall performance and security.
Update
Bitcoin (BTC) is trading below the realized price of recent buyers, who entered the market one to three months ago. The realized price of these speculative traders is currently at $77,700, while BTC/USD trades at around $76,500. This situation could lead to resistance as underwater traders seek to return to breakeven.
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The three largest categories are T-bills, yield strategies, and credit funds, accounting for 66% of the total. Gold adds another $5.1 billion to the market. The market is becoming more complex with the rise of private credit and structured yield strategies, which offer higher returns but also more complexity in terms of collateral, valuation, and liquidity.
Update
The XRP Ledger is set to activate fixCleanup3_4_0 around 14:46 UTC on November 4, closing a loophole that allowed accounts with burn-only permission to create new tokens. This fix, part of the PermissionDelegationV1_1 upgrade, will prevent accounts with the PaymentBurn granular permission from minting new fungible tokens, including trust line tokens or multi-purpose tokens (MPTs) under certain circumstances. The fix is included in xrpld 3.4.0, which also tightens automated market maker (AMM) clawbacks, vault accounting, escrow reserves, and signature handling. The upgrade was initially scheduled for October 23 but was delayed due to support dips from validators.
News
Analyst Ben Cowen warns of a fourth-quarter stock decline, echoing the 2018 correction. He compares the current market conditions to previous years, including 2018 and 2022, where Bitcoin also experienced weakness around seven weeks after interest-rate increases. Cowen identifies $73,000–$75,000 as a key support zone for Bitcoin, but a weekly close above $83,000 would weaken his bearish outlook. The article does not provide Binance trading or exchange flow data to connect equity levels with Bitcoin demand.
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Privacy coins fell on Tuesday amid a broader cryptocurrency market downturn that saw bitcoin drop toward $76,000. Zcash (ZEC) led the decline with a 7% daily loss, plunging from more than $1,250 to $1,125. Monero (XMR) gained, rising from $608 to around $625, gaining nearly 3%. Near Protocol (NEAR) and Dash (DASH) also recorded losses, with NEAR shedding more than 30 cents to $3.75 and DASH falling from more than $48.25 to $45.81. Several microcap privacy coins also recorded 24-hour losses ranging from 2% to 5%. Beldex (BDX) and Horizen (ZEN) posted modest gains of 1.6% and 1.7%, respectively.
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More than 1,000 internet‑facing GitLab servers remain vulnerable to a high‑severity remote code execution flaw (CVE‑2026‑97229) in the CI/CD Regular Expression Compiler, actively exploited and added to CISA’s Known Exploited Vulnerabilities catalog.
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OpenAI introduced ChatGPT Work features directly into regular Chat, merging usage allowances across ChatGPT and Codex to simplify advanced workflow access and give users greater flexibility.
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On October 30, WorkOS reported unauthorized access to an internal sales application, exposing business contacts, customer account histories, and communication excerpts. The breach involved an AI‑assisted offensive security framework; external access to the app has been disabled while impact is investigated.
Hacking News
Aave's stablecoin reserves were frozen during the Binance hot-wallet incident, causing borrowers to pay interest while suppliers could request their money back. This situation left Aave with a rate mechanism that couldn't work in frozen reserves, making borrowing more expensive and preventing new deposits from suppliers. The freeze affected borrowers and suppliers in Aave's reserves, which reopened by October 31.
Update
KuCoin will end $NOON trading on November 4 and close withdrawals in early December. Holders are advised to move $NOON to their own wallets and stake it as $sNOON on the Ethereum network.
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The price is trading below major moving averages (EMAs and SMAs at 20/50/100/200 periods) on the daily chart, acting as overhead resistance. The RSI is in the low-to-mid 30s (oversold territory), and some oscillators are flashing oversold/buy signals. Fear & Greed is in Fear/Extreme Fear. The immediate support zone is around $0.0035–$0.00357, with resistance at $0.00381 and $0.0040+. The current zone is considered a distribution/hold area by analysts like Flicker.
Update
PYTH, a decentralized finance (DeFi) protocol, has experienced a significant $179 million decline in Total Value Secured (TVS) amid market turbulence. This decline, which occurred within a 24-hour period, reflects reduced user participation and financial performance. Earnings have also weakened, falling to approximately $1,310, marking the lowest monthly performance on record. Derivatives traders have shown a strong preference for short positions, indicating a bearish market sentiment.
Hacking News
A major crypto theft involving a European financial institution has exposed vulnerabilities in exchange withdrawal allowlists. Blockchain investigator ZachXBT reported over $106 million stolen, with additional $27 million later identified. The theft occurred through compromised exchange accounts and previously approved wallets. Bitquery traced $108.8 million in USDC withdrawals from Kraken, Crypto.com, and OKX, distributed across 15 wallet addresses. The attacker moved funds quickly through fresh wallets and converted some into ETH. The incident highlights the need for better security measures in exchanges and wallets.
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Service offers API access to 12 people data providers for contact enrichment, lead generation, and AI‑agent research. …
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New tool lets teams pause eligible services, especially AI, via API‑driven caps that can auto‑resume or require manual approval.
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Case study of agent‑led growth experiments for marketing teams, outlining successes, failures, and when AI is appropriate.
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Advises launching products that deliver immediate value while planning for future model improvements, stressing partial solutions and feedback loops.
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Argues that large asset‑manager style funds favor companies that can absorb billions, pushing founders toward familiar, large‑scale markets.
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Explains that execution, context, proof, and pricing together strengthen the case for buying AI applications, emphasizing reliable work and trusted context as value drivers.
Update
Despite record trading volume in on-chain RWA perps, RWA spot DEX volume fell 38.9% in October, from $24.6B to $15B. Tokenized stocks generated $10.9B in October, accounting for approximately 72% of total RWA spot DEX volume. Trading remained concentrated in major assets, with NVDA, SPCX, BNC, and AAPL representing nearly half of tokenized stock volume.
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Proton Mail is highlighted as a key tool for enhancing privacy and security for crypto users, offering features like end-to-end encryption and unique email aliases to protect users from phishing attacks and maintain control over their data. The article emphasizes the importance of privacy and security tools for crypto investors due to the publicly accessible nature of blockchain transactions.
Update
Moscow Exchange plans to launch trading in Bitcoin, Ether, and Tether’s USDT on December 1, following Russia’s new crypto law. The exchange will use its existing stock-market infrastructure and be cleared through the National Clearing Center (NCC), with trading hours from 6:50 AM to 11:50 PM Moscow time. Non-qualified investors will be limited to purchases of 300,000 rubles (about $3,700) annually per broker.
Update
Bitrue, a global cryptocurrency exchange, has introduced Spot Strategy, a new feature that extends its Bitrue AI trading bot to the spot market. The feature offers AI-generated grid strategies for 15 crypto assets, including XRP, BTC, ETH, and ZEC, each backtested and grouped.
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OpenAI plans to combine ChatGPT’s chat and work tabs into a single interface, allowing seamless movement between discussion and task execution with files, plugins and web tools; rollout begins with select users while Codex remains separate.