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# Deltec - Believing in Tomorrow

Deltec is Trusting Disruption

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## Posts

- [News](https://deltec.io/news/)
- [Tokenization Truly Disrupts](https://deltec.io/news/tokenization-truly-disrupts/) - Blockchain technology has revolutionised how we think about asset ownership, management, and investment. Tokenization is one of the many innovations that have arisen from this technology. It can disrupt existing asset life cycles, accelerate product innovation, and create customised, hyper-personalised options for investors. This article will explore tokenization and how it differs from traditional methods.
- [Robots and, Touch](https://deltec.io/news/robots-and-touch/) - Robots are thriving with artificial intelligence (AI) integration. According to recent studies, the global robotics market is expected to reach $200 billion by 2024, with a compound annual growth rate of 17%. With AI advancements, robots are becoming more autonomous and capable of performing various tasks, from manufacturing and healthcare to retail and hospitality. However,
- [Precision Medicine and AI With Blockchain](https://deltec.io/news/precision-medicine-and-ai-with-blockchain/) - Precision medicine has emerged as a promising approach to providing personalised treatments for patients based on their genetic makeup, lifestyle, and environment. However, this approach requires vast amounts of data to be collected, analysed, and securely shared among healthcare providers and researchers. Artificial intelligence (AI) and blockchain technology offer potential solutions to these challenges by
- [Why Life Expectancy Is Increasing](https://deltec.io/news/why-life-expectancy-is-increasing/) - Our average life expectancy has increased from 45 years in the 1850s to nearly 80 years today as a result of medical science. Researchers believe that our life spans will continue to grow, but there is an eventual hard limit. Advances in medicine that are driving this lengthening life span range across a vast spectrum,
- [Hologram Technology and AI-Based Chatbots](https://deltec.io/news/hologram-technology-and-ai-based-chatbots/) - Integrating hologram technology and AI-based chatbots is an exciting new frontier in digital communication. Hologram technology provides a new way to interact with information and data, while AI-based chatbots are changing how people communicate with businesses and organisations. Together, these technologies offer unique opportunities for organisations to engage with customers, employees and other stakeholders in
- [What Is Asset Tokenization?](https://deltec.io/news/what-is-asset-tokenization/) - In recent years, a new trend has emerged in the world of finance: asset tokenization. This technology promises to revolutionise how assets are bought, sold, and traded. Asset tokenization is converting physical assets into digital tokens on a blockchain network. In this article, we will delve into this technology, its benefits, and its challenges. We
- [What Are Neural Implants?](https://deltec.io/news/what-are-neural-implants/) - Neural implants, also known as brain implants, have been the subject of extensive research in recent years, with the potential to revolutionise healthcare. These devices are designed to interact directly with the brain, allowing for the transmission of signals that can be used to control various functions of the body. While the technology is still
- [How ChatGPT Shapes the Future](https://deltec.io/news/how-chatgpt-shapes-the-future/) - In recent years, the AI industry has grown significantly, with forecasts that the worldwide market will reach $190.61 billion by 2025, expanding at a CAGR of 36.2% between 2020 and 2025. The Covid-19 pandemic has only hastened this rise, as businesses have been forced to adjust swiftly to remote working and growing digitisation. The pandemic
- [How Smart Cities Use Blockchain ](https://deltec.io/news/how-smart-cities-use-blockchain/) - Smart cities, which use technology to improve citizens' quality of life and optimise urban services, have rapidly grown in popularity. According to a recent report, the global smart city market is projected to reach $158 billion by 2022. By utilising blockchain technology, smart cities can enhance their security, transparency, and efficiency in supply chain management,
- [How Generative Chat AI Operate](https://deltec.io/news/how-generative-chat-ai-operate/) - Generative chat AI is an exciting technology that has been making waves in recent years. It refers to computer programs designed to interact with humans using natural language processing and can generate responses that seem to be coming from a real person. These AI systems are capable of analysing and understanding the context of a
- [How Generative AI Transforms Web3](https://deltec.io/news/how-generative-ai-transforms-web3/) - As the development of Web3 continues to gain momentum, artificial intelligence is set to revolutionise how we interact with decentralised networks. Among the many AI techniques available, generative AI is gaining increasing attention for its ability to create new and unique content, which has the potential to transform the Web3 landscape. Generative AI can be
- [Ethereum Is a Base Layer of Computing](https://deltec.io/news/ethereum-is-a-base-layer-of-computing/) - Ethereum has maintained a strong position as the second-largest cryptocurrency by market capitalisation after Bitcoin. However, it has gained widespread recognition for its unique technology, smart contracts, and the decentralized applications (dApps). Ethereum goes far beyond the general abilities of first-generation cryptocurrencies. Since its launch in 2015, Ethereum has grown to become much more than
- [Ethereum’s Smart Contracts Explained](https://deltec.io/news/ethereums-smart-contracts-explained/) - Blockchain technology is a game-changing phenomenon that has disrupted multiple industries by enabling safe, decentralised solutions for diverse transactions and operations. Implementing smart contracts is one of the most prominent uses of blockchain technology. A smart contract is a self-executing contract in which the conditions of the buyer-seller agreement are directly encoded into lines of
- [Blockchain Oracles in DeFi](https://deltec.io/news/blockchain-oracles-in-defi/) - We need to take a step back to understand blockchain oracles and why they are created. Oracles are problem solvers for many smart contracts launched on blockchains. But what is a smart contract, and what problem do oracles need to solve? We will start by answering these two questions and then explain how they solve
- [Can AI and Biotech Conquer Death?](https://deltec.io/news/can-ai-and-biotech-conquer-death/) - Death is a certainty that all living beings must face, but what if we could beat it? The advances in biotechnology and artificial intelligence, or AI, have raised the question of whether death can be conquered. This article explores the potential of biotech and AI to achieve immortality, farfetched as it seems, and the pros
- [AI and Its Many Forms](https://deltec.io/news/ai-and-its-many-forms/) - Artificial intelligence (AI) is no longer just a science fiction concept but a technological reality that is becoming increasingly prevalent daily. There are several forms of AI, each with unique characteristics and applications. This article will explore the various forms of AI today, including machine learning, natural language processing, computer vision, expert systems, and robotics.
- [DeFi Explained](https://deltec.io/news/defi-explained/) - Decentralised finance (DeFi) is rapidly revolutionising the financial industry by offering innovative financial products and services that are decentralised, transparent, and accessible to everyone. DeFi operates on blockchain technology and allows individuals to take control of their finances without intermediaries. According to Cointelegraph, the DeFi market has seen tremendous growth, with the total value locked
- [Blockchain and AI](https://deltec.io/news/blockchain-and-ai/) - According to a report by Allied Market Research, the global blockchain technology market was valued at $3 billion in 2020 and is expected to grow to $39.7 billion by 2025. Similarly, the AI market is projected to grow to $190 billion by 2025, according to a report by MarketsandMarkets. With the increasing demand for both
- [Longevity and the Future](https://deltec.io/news/longevity-and-the-future/) - With continuous advancements in medical technology, the science of longevity has seen incredible progress in the past few decades. According to the World Health Organization, the global average life expectancy increased from 64.2 years in 1990 to 72.6 years in 2019. The same report states that, in high-income countries, life expectancy at birth can reach
- [<strong>Can Robots Become Sentient With AI?</strong>](https://deltec.io/news/can-robots-become-sentient-with-ai/) - AI-powered robots' potential to become sentient has sparked heated discussion and conjecture among scientists and technology professionals. Concerns regarding the ethical consequences of producing robots with human-like awareness are growing as AI technology improves. The current AI in the robotics industry is worth more than $40 billion and is likely to grow in the future
- [Ageing and AI](https://deltec.io/news/ageing-and-ai/) - The field of longevity medicine is reinvigorating. Until recently, the initiative of slowing and reversing ageing was not considered ‘proper science’ or a reasonable use of public funds. Ageing was regarded as an unavoidable and permanent component of the human condition. It was not a disease but rather a susceptibility to disease that develops over
- [What Is Generative AI?](https://deltec.io/news/what-is-generative-ai/) - Generative AI is a rapidly developing field of artificial intelligence that has been making waves in recent years. Using advanced algorithms, generative AI can create original and often impressive content, such as images, music, and even text, without direct human input. This article will delve deeper into generative AI, exploring what it is, how it
- [The Future of AI-Based Art](https://deltec.io/news/the-future-of-ai-based-art/) - The worldwide art market, worth billions of dollars, has historically been a traditional and restricted sector. However, as artificial intelligence advances, the art industry is shifting towards a more democratised and accessible market, introducing the phenomenon of AI-based art. AI-powered technologies can now generate creative works of art, question the validity of existing works, and
- [What Is Liquid Staking?](https://deltec.io/news/what-is-liquid-staking/) - In cryptocurrency, staking has become an increasingly popular way for investors to earn passive income. However, a new concept has emerged that takes staking to the next level: liquid staking. This innovative approach can potentially revolutionise the staking landscape and bring even more people into cryptocurrency. But what exactly is it? This article will delve
- [What Is Messenger RNA?](https://deltec.io/news/what-is-messenger-rna/) - The flow of genetic information is an essential process in biology that involves the transfer of genetic material from DNA to RNA to proteins. At the heart of this process is a molecule called messenger RNA (mRNA). Without mRNA, cells would not be able to create the proteins necessary for various cellular processes, and genetic
- [Drug Discovery and AI](https://deltec.io/news/drug-discovery-and-ai/) - There is very little that is efficient in drug discovery and development. Approximately 90% of medications that reach commercialisation fail. Each one costs more than $1 billion and takes ten years to develop. However, technical developments in data collection are advancing artificial intelligence in drug discovery, which might open the door to discovering treatments for
- [The Future of NFTs](https://deltec.io/news/the-future-of-nfts/) - NFTs had their breakout year in 2021, bringing to the art world a digital revolution. They became one of the year’s fastest-growing asset classes. Non-fungible token technology has allowed artists to offer digital originals while cutting out art broker intermediaries, also being able to receive royalties on their work’s secondary sales. However, art is just
- [Smart Cities](https://deltec.io/news/smart-cities/) - Smart cities are urban areas that combine technology and data to improve the quality of life of inhabitants and visitors, increase sustainability, and create more efficient systems to be used by all. The smart city concept has been around since the 1970s. However, it has only recently gained significant traction due to technological advancements and
- [<strong>AI in Healthcare</strong>](https://deltec.io/news/ai-in-healthcare/) - When you think about technological breakthroughs from history, the full promise is never what it initially does but what it eventually enables. If you go as far back as the steam engine, it cost far more than other power sources when first commercialised. However, as soon as it enabled faster transportation and cheaper product shipping,
- [AI and Space Exploration](https://deltec.io/news/ai-and-space-exploration/) - Artificial intelligence (AI) has improved our terrestrial living standards for decades. However, can these practical computer algorithms be applied to applications beyond our planet, and if so, how can AI assist us in our space missions and interstellar exploration? AI can help astronauts and ground-based space operations. AI is already becoming a vital component of
- [Blockchain and Supply Chain Management](https://deltec.io/news/blockchain-and-supply-chain-management/) - One industry for which blockchain tech has been particularly beneficial is the management of global supply chains. With more connected devices, this will become even more prevalent. This article will introduce the basics of supply chain management, and then explain how blockchain technologies aid in its optimisation. Supply Chain Management The goal of all supply
- [Artificial Intelligence and Biomedicine](https://deltec.io/news/artificial-intelligence-and-biomedicine/) - Two unlikely interweaving sciences, artificial intelligence and biomedicine, have changed our health and lives. These two sciences have now intertwined further, aiding scientists, medical professionals, and, ultimately, all of us to improve our ongoing health so we can live better lives. This article will introduce some of the ways these two sciences are working together
- [Utilising Quantum Entanglement](https://deltec.io/news/utilising-quantum-entanglement/) - Quantum entanglement is a phenomenon whereby two or more quantum systems become connected so that the state of one system can affect the state of the other(s), even when separated by large distances. Classical physics does not explain this connection, or “correlation,” between the systems. It has been a subject of intense study and debate
- [The 60-40 Portfolio: What Went Wrong](https://deltec.io/news/the-60-40-portfolio-what-went-wrong/) - For decades called the ‘balanced’ portfolio, the 60-40 portfolio allocation of 60% to stocks and 40% to bonds served as the quintessential go-to for stable growth, income, diversification, and inflation protection. It worked wonders in the decades leading to the dot-com bubble, known as one of the worst financial events for now-seasoned investors. Yet the
- [Blockchain, AI, and IoT](https://deltec.io/news/blockchain-ai-and-iot/) - Artificial intelligence (AI), the Internet of Things (IoT), and blockchain are the most promising and rapidly evolving technologies of our time. Combined, these three technologies solve many problems across many different industries, including supply chain management, finance, healthcare, and manufacturing. We will explore how this combination can change many aspects of our lives. Supply Chain
- [The Financial Planning Process](https://deltec.io/news/the-financial-planning-process/) - Financial planning or wealth planning is the process of creating an achievable roadmap for your life’s goals. The financial planning process involves several intensive steps, such as: Defining your financial goals Assessing your current financial situation Developing a realisable plan of action Implementing that plan Monitoring and adjusting Whether saving for retirement, paying off debt,
- [The Impact of AI on Insurance in 2023](https://deltec.io/news/the-impact-of-ai-on-insurance-in-2023/) - The impact of artificial intelligence (AI) in the insurance industry has been significant in the past five years. According to Accenture, the adoption of AI in the insurance sector is expected to double in the next three years. It could lead to cost savings of up to $1.2 billion annually. Another study by PwC found
- [What Is a Global Citizen? ](https://deltec.io/news/what-is-a-global-citizen/) - The term ‘Global Citizen’ has earned increasing attention in recent years as people worldwide become more aware of our interconnectedness and our actions’ impact on one another. At its core, being a Global Citizen means recognising that we are all part of a larger global community and that we are responsible for taking actions that
- [Robotics and AI ](https://deltec.io/news/robotics-and-ai/) - While it is obvious that artificial intelligence (AI) and robotics are different disciplines, robots can perform without AI. However, robotics reaches the next level when AI enters this mix. We will explain how these disciplines differ and explore spaces where AI is utilized to create envelope-pushing robotic technology. Robotics in Brief Robotics is a subset
- [The Uses of Chatbots Like ChatGPT](https://deltec.io/news/the-uses-of-chatbots-like-chatgpt/) - When we used to hear the word “chatbot,” pain often comes to mind. Frustration with the novel services was the norm. With chatbots that were mostly able to receive a question and reply, “I am sorry, I can’t answer that. However, I will contact someone that can help you with it. You should receive a
- [What Are Wrapped Tokens?](https://deltec.io/news/what-are-wrapped-tokens/) - If you’ve been investing in cryptos, you may have likely heard the term “wrapped” Bitcoin or wrapped tokens. This article will explore the types of wrapped tokens in the crypto space, why they exist, and what benefit they have to you as a crypto trader or long-term investor. Blockchains Are Separated Different blockchains like Ethereum
- [Stablecoins vs. CBDCs](https://deltec.io/news/stablecoins-vs-cbdcs/) - Stablecoins are crypto assets whose values are pegged to fiat currencies, such as the US dollar. Stablecoin operators generally maintain a reserve of fiat currency which equals the token’s circulating supply. With the rapid rise in stablecoin circulation over the past few years, central banks have increased their efforts to develop their stable digital currencies.
- [What Is Somnium Space?](https://deltec.io/news/what-is-somnium-space/) - Somnium Space started in 2017 and is by area one of the largest virtual blockchain worlds (VBWs). Like with other VBWs, on Somnium Space, users can create fully customizable environments and programmable independent VR experiences within its larger connected world. These environments are possible through Somnium’s four key offerings: An SDK to create avatars and
- [AI’s Transformation of Oncology](https://deltec.io/news/ais-transformation-of-oncology/) - Artificial intelligence (AI) is constantly reshaping our lives. It saves companies and us time and money, but it has applications that can be applied to medicine, potentially saving our lives. We can understand AI’s evolution and achievements to model future developmental strategies. One of AI’s most significant medical impacts is already being seen in and
- [Brain-Computer Interfaces](https://deltec.io/news/brain-computer-interfaces/) - Brain-computer interfaces are devices that allow people to control machines with their thoughts. This technology has been the stuff of science fiction and even children’s games for years. On the more advanced level, brain-computer technology remains highly experimental but has vast possibilities. First to mind (no pun intended), would be to aid those with paralysis
- [What Is Haptic Technology?](https://deltec.io/news/what-is-haptic-technology/) - Haptic technology, or haptic touch, is going to be our engagement pathway for the future. Since the start of the Covid pandemic, we are working from home more often, and much of our lives are online. However, we do not have to worry about losing physical touch. Haptic technology offers its users a more connected
- [AR, MR, VR, and XR](https://deltec.io/news/ar-mr-vr-and-xr/) - When someone enters the immersive technology arena, one of the first questions they may ask is: what’s the difference between virtual reality (VR) and augmented reality (AR)? These are reasonably easy to distinguish, but additional terms are less standard, such as mixed reality (MR) and extended reality (XR). Because these terms are becoming more prevalent,
- [Next Generation DNA Sequencing](https://deltec.io/news/next-generation-dna-sequencing/) - A sequence tells a scientist the genetic information carried on a particular DNA or RNA segment. For example, the sequence can be used to determine where genes are located on a DNA strand and where regulatory instructions turn those genes on or off. In the mid-90s, colleges started teaching their undergraduates about DNA sequencing, with
- [What Are Dynamic NFTs?](https://deltec.io/news/what-are-dynamic-nfts/) - Non-fungible tokens, NFTs, are finally making their way into the mainstream after achieving widespread adoption among the Web3 community. Despite the recent boom and bust of crypto and the accompanying spotlights from media outlets, digital influencers, public figures, and professional athletes have continued to jump on the bandwagon of NFT collections. As a result, there
- [Web3’s Infrastructure](https://deltec.io/news/web3s-infrastructure/) - After covering all things blockchain for a few years, we’ve seen how the move toward Web3 is much more than the “magic” of digital money that many think on when they discuss cryptocurrencies. Web3 has the potential to solve the significant issues that plague the web and our world, regarding privacy, self-autonomy, and economics. The
- [Brain-Computer Interfaces and the Metaverse](https://deltec.io/news/brain-computer-interfaces-and-the-metaverse/) - What are the commercial promises of brain-computer interfaces, and how will they further connect us to the promises of the metaverse? These interfaces, initially sensory (on the scalp or skin), and possibly through brain implants in the future, could be the eventual platforms transforming all parts of our diverse societies. The Brain-Computer Merge You may
- [The Convergence of Technology and Healthcare](https://deltec.io/news/the-convergence-of-technology-and-healthcare/) - We saw the changes to our lives with the Covid-19 pandemic playing the role of catalyst for changes in life sciences and healthcare. This article will discuss how new technologies, including blockchain, cybersecurity, and the needed talent behind these, are impacting the medical sector. Recent Changes to Healthcare We have seen how the past few
- [Autonomous Ride-Hailing](https://deltec.io/news/autonomous-ride-hailing/) - Uber and Lyft have changed the short-distance ride-hailing market once belonging to the local and usual handful of taxi companies. As they took over these new markets, they also changed the way we thought about travel. Further, asking friends for a ride to the airport is beginning to disappear with the onset of autonomous vehicles.
- [How Digital Wallets Transform Banking](https://deltec.io/news/how-digital-wallets-transform-banking/) - We have an economy that is now switching to 5G, and in a few more years, we may see 6G speeds. However, the global economy’s digital transformation is far from complete. After our struggles with Covid-19 affecting both health and commerce, we have moved our world toward global, digital connectivity. For example, digital wallets will
- [AI in Agriculture ](https://deltec.io/news/ai-in-agriculture/) - Artificial intelligence, drones, and robots are already being deployed on large farms to assist with several management tasks for crops and livestock. However, there are some risks that must be accounted for when turning over our food production to AI-driven machines. We will discuss the benefits that AI can bring to the world of agriculture,
- [Spotting Deepfakes](https://deltec.io/news/spotting-deepfakes/) - A deepfake is a piece of image, audio, or video content using artificial intelligence to create a digital representation by replacing the likeness of one person with another. This advanced technology is becoming more common and convincing, leading to misleading news and counterfeit videos. We will delve deeper into deepfakes, discuss how deepfakes are created,
- [​​Data and Machines of the Future](https://deltec.io/news/data-and-machines-of-the-future/) - As we move toward our future, we increasingly notice two concepts that have always been at odds: data and computing power. This rift runs as follows: we have more data than we can process, while much of that data remains subpar for processing. Data and computing power have been such that the data we have
- [The Web3 Race](https://deltec.io/news/the-web3-race/) - The race to create the future internet, Web3, is heating up daily. Providers are competing against each other, demonstrating a healthy, expanding, and decentralized Web3 ecosystem to come. The Basics Users interact through various open-source applications such as MetaMask, Web3 gaming, the metaverse, and DeFi protocols. However, they don’t usually stop and think about what
- [NFTs and Deep Learning](https://deltec.io/news/nfts-and-deep-learning/) - Non-fungible tokens (NFTs) are becoming more popular by the day. According to DappRadar, the trade volume of NFTs in 2021 was $24.9 billion--over $95 million more than in 2020. One of the most significant developments in the cryptocurrency ecosystem is the rise of non-fungible tokens. The initial generation of NFTs concentrates on developing the fundamental
- [NFT and Crypto in GameFi](https://deltec.io/news/nft-and-crypto-in-gamefi/) - The GameFi sector has been one of the main contributors to the explosive growth of the cryptocurrency market over the past few years. Gamers can earn incentives while playing thanks to GameFi, a combination of the words "finance" and "gaming." With consistent growth, the market has a token market cap of almost $9.2 billion. Notably,
- [The Future of NFTs in Web3 and Web4](https://deltec.io/news/the-future-of-nfts-in-web3-and-web4/) - The market for non-fungible tokens, or NFTs, was valued at $232 million in 2020, increasing to $22 billion in 2021. Because of its growing popularity in collectible trading and the developing significance of Decentralized Finance (DeFi), this market is anticipated to expand by around three times by 2031 as Web3 comes into being. This article
- [Ethereum Is Not Decentralized](https://deltec.io/news/ethereum-is-not-decentralized/) - With “the Merge” to Ethereum 2.0, the world’s second largest blockchain network by market cap has been the talk of the town. We have heard and read some postulating that Ethereum (ETH) can succeed even if it does not scale correctly. The ETH is more than its potential scalability. It stores billions, and eventually, trillions
- [The Metaverse and Its Ingredients](https://deltec.io/news/the-metaverse-and-its-ingredients/) - Since the early inception of the metaverse, starting with the 1982 book by Neil Stevenson, “Snow Crash,” the idea of an immersive world without limitations intrigued many. This interest has been boosted by the increased online presence characterizing the Covid pandemic and Facebook’s name change to “Meta.” There remain several questions about the metaverse, and
- [IoT Devices Enhance Proactive Risk Management](https://deltec.io/news/iot-devices-enhance-proactive-risk-management/) - IoT (Internet of Things) is a buzzword that has been around for a few years and is growing in popularity as we slowly connect everything to the net. An enormous amount of data is being collected already, and this is going to the next level through IoT sensors. While there are many problems with IoT
- [The Metaverse and the Programmable World](https://deltec.io/news/the-metaverse-and-the-programmable-world/) - We have previously discussed both the Metaverse and Web3. Enterprises are reimagining the internet, and we as individuals should prepare for the future that is quickly coming to us all. Over almost 20 years, companies have developed a wide range of digital capabilities. However, all these solutions were designed for the internet we have at
- [<strong>Does the Metaverse Need Blockchain?</strong>](https://deltec.io/news/does-the-metaverse-need-blockchain/) - With the advancement of blockchain technology, many ideas that were once only hypotheses are materializing. The “metaverse,” a virtual environment, is one of them. What impact will this world have on the global online marketplace and the conventional internet? Neal Stephenson introduced the concept of the metaverse, a virtual world with all the possibilities of
- [<strong>Comprehensive Frameworks Are Coming to the Digital Asset Space</strong>](https://deltec.io/news/comprehensive-frameworks-are-coming-to-the-digital-asset-space/) - The White House’s press release issued last month points to a global, assertive, 360-degree take on the rapidly growing digital asset space and digital asset service providers. It covers: ● Consumer protection ● Affordability ● Financial stability ● Responsible innovation ● Illicit finance Further, it
- [Machine Learning and Predictive Analytics ](https://deltec.io/news/machine-learning-and-predictive-analytics/) - Machine learning (ML) is widely used as a predictive technology in fields such as transportation, finance, healthcare, advertising, travel, and several manufacturing industries across the globe. Machine learning and predictive analytics aid companies in making better decisions by anticipating what will happen. ML and predictive analytics predict future outcomes through the analysis of current and
- [AI and Blockchain: Disrupting Together](https://deltec.io/news/ai-and-blockchain-disrupting-together/) - Businesses that effectively embrace the digital transition will prosper as the world changes. The world as we know it is about to change because of two developing technologies: blockchain and artificial intelligence (AI). However, it’s not always clear whether these two technologies complement or compete. Are they compatible or antagonistic with one another? How can
- [<strong>How AI Transforms Medical Research</strong>](https://deltec.io/news/how-ai-transforms-medical-research/) - Using artificial intelligence (AI), businesses have been moving toward digital transformation long before the Covid-19 pandemic in their collective quest to optimize production, product quality, safety, services, and customer experiences. Some actively desired a sustainable planet for all. The advantages of the next digital era feel limitless. Still, businesses are hesitant to adopt these technologies
- [Understanding Blockchain Oracles](https://deltec.io/news/understanding-blockchain-oracles/) - As you continue delving deeper into the world of blockchain technologies, you will hear about “blockchain oracles.” These oracles have no relation to the cloud application company Oracle, but they provide a way by which the decentralized Web3 ecosystem can access existing data, legacy systems, new data, and advanced computations. When blockchain oracles and decentralized
- [Deltec is a proud sponsor of I.D.E.A.S. 2022 by CoinDesk ](https://deltec.io/news/deltec-is-a-proud-sponsor-of-i-d-e-a-s-2022-by-coindesk/) - The Deltec team is excited to introduce the speakers and presenters in Computing & Digitization on October 18 and Currency, Smart Contract Platforms and Computing and Digitization on October 19. The event facilitates capital flow and market growth by connecting the digital economy with traditional finance. Innovators and changemakers will present their best ideas for
- [Manufacturing and Recycling Electric Vehicle Batteries: The Environmental Impact](https://deltec.io/news/manufacturing-and-recycling-electric-vehicle-batteries-the-environmental-impact/) - The recent passing of the Inflation Reduction Act was touted as a significant step forward for reducing fossil fuel use and pushing the US to switch to electric vehicle (EV) technology. Sadly, the devil is in the details, and the details of this bill are not very good. The tax credit in the bill will
- [Web 4.0 and Beyond](https://deltec.io/news/web-4-0-and-beyond/) - Two fundamental questions surround Web 4.0: Will virtual reality (VR) gain traction in society? What will social media look like in the future? Even if we are aware of the exponential rise of technology, it’s still challenging to forecast where we will be in ten years. Although details are hard to predict, reviewing the past
- [<strong>NFTs in 2022</strong>](https://deltec.io/news/nfts-in-2022/) - Non-fungible tokens (NFTs) are becoming industry standard, but many investors still do not understand what they are and what they do. According to DappRadar, the trade volume of NFTs in 2021 was $24.9 billion--over $95 million more than in 2020. What Are NFTs? Artwork is the most renowned form of NFT to date. Additionally, there
- [<strong>Will AI Ever Become Sentient?</strong>](https://deltec.io/news/will-ai-ever-become-sentient/) - An AI child formed of "a billion lines of code" and a guy made of flesh and bone became friends in the fall of 2021. Blake Lemoine, a Google developer, was entrusted with evaluating the bias of LaMDA, the company's artificially intelligent chatbot. After a month, he realized that it was sentient. LaMDA, an acronym
- [What Are Synthetic Crypto Assets?](https://deltec.io/news/what-are-synthetic-crypto-assets/) - Like NFTs, one of the new hot topics in the DeFi space is synthetic crypto assets or tokens. We will introduce these new players in a quick and efficient way, explaining why there is so much buzz behind them, and tell you the important things you need to know about this promising digital asset sector.
- [Web 3.0: Infrastructure and Cross-Blockchain Transfers](https://deltec.io/news/web-3-0-infrastructure-and-cross-blockchain-transfers/) - Currently, most online data “transfers”--communicating with friends and family, working with colleagues and clients, purchasing goods and services, and reading articles and social media are all facilitated with Web 2.0 infrastructure. This means that Web 2.0 is the foundational technology of our economy and society. So what about Web3, or Web 3.0? One of the
- [Deltec Announces 2022 Scholar from North Andros](https://deltec.io/news/deltec-announces-2022-scholar-from-north-andros/) - North Andros student, Isaac Barr, has been named the 2022 Deltec Scholar and awarded a full 4-year scholarship and mentorship experience at The University of The Bahamas. The journey to becoming a Deltec scholar in his own words: “One of the best things about growing up on the family island is the constant feeling
- [​​Self-Paying Crypto Loans](https://deltec.io/news/self-paying-crypto-loans/) - When we have assets and debts, there are two conflicting things going on. Our assets are growing in value while our debts are accumulating interest. Enter: self-paying crypto loans. Imagine if loans had no interest. Instead, the appreciation of your assets is automatically going to pay off your debts. Your mortgage payment is automatically paid
- [IoT and Its Applications in Reality](https://deltec.io/news/iot-and-its-applications-in-reality/) - What do we mean by IoT? We can turn on the plug sockets in our houses from a chair in a remote workplace. Our refrigerator's built-in cameras and sensors allow us to track our food and know when it's about to expire. The temperature in our home can be set to the perfect condition based
- [How to Value an NFT](https://deltec.io/news/how-to-value-an-nft/) - Because NFTs are a new type of asset, they have drawn the interest of many new investors worldwide. Usually, members of the art world, the collecting world, and the world of crypto have the most interest. Still, as their popularity has grown, NFT prices have shot up, drawing the interest of more people including those
- [The Ethereum Merge Succeeded, What’s Next? ](https://deltec.io/news/the-ethereum-merge-succeeded-whats-next/) - The hotly anticipated “Ethereum Merge” finally happened, and it was a smooth, almost shocking, success. Proof of work vacated the Ethereum protocol in favor of the energy efficient, possibly world-saving alternative of proof of stake. However, the most current five-day price action for ETH (Ether) shows a sharp decline of approximately -21%. The same chart
- [GameFi ](https://deltec.io/news/gamefi/) - With the advent of blockchain, a new space has been created for the world of video games. GameFi has rapidly been expanding into the more traditional video gaming industry since its first appearance with Axie Infinity. Axie attracts gamers to its universe by offering them opportunities to make money while they are enjoying the game.
- [Mining After Ethereum 2.0](https://deltec.io/news/mining-after-ethereum-2-0/) - In our last article we introduced the Ethereum Merge and its potentially profound impact upon the world of investing–whether for traditional or digital assets. Bellatrix on September 6th paved the way for the final merge to likely happen around September 15th through the second stage–Paris. With this comes the transition from proof of work (PoW)
- [When Is the Ethereum Merge?](https://deltec.io/news/when-is-the-ethereum-merge/) - After some delays and much anguish, the upcoming “Ethereum Merge” is set to happen. Bellatrix, the first stage of this process, happened on September 6th. Yet one question on millions of minds across the world remains: When is the Ethereum merge? Paris, the second and final stage, is set to be complete by the next
- [Artificial Neural Networks for Finance](https://deltec.io/news/artificial-neural-networks-for-finance/) - Back in the early days of data science, before it was even called data science, any financial applications handled by programs were called Expert Systems. These were a domain of AI that was developed using the knowledge of a “Human Expert.” The expert’s knowledge was used to create a set of programming rules to assist
- [The History of Stablecoins](https://deltec.io/news/the-history-of-stablecoins/) - Stablecoins, especially fiat-backed stablecoins, seem poised to dominate online currency exchanges across the world. Tether grew by approximately 82 billion USD in five years and USD coin by approximately 54 billion USD in two years. How did this happen? What is the history of stablecoins? In a word, brief. In several words: expansive, incredible, awe-inspiring,
- [The Top Five Fiat-Backed Stablecoins](https://deltec.io/news/the-top-five-fiat-backed-stablecoins/) - Stablecoin regulation and the concept of mass stablecoin use grows daily. What began with news of an unfortunate crash highlighting the “risks” of stablecoins continues to snowball into a globally supportive movement for fiat-backed stablecoins. The key to understanding: algorithmic stablecoins, relying upon an algorithm to maintain a hard peg to an external asset, suffer
- [Crypto Lending, Staking, and Protocol Dividends](https://deltec.io/news/crypto-lending-staking-and-protocol-dividends/) - Dividend stock and coupon bond investors earn passive income via dividends or their coupon payments. For the longest time, no regular paying passive investments were available in the crypto world, having to rely solely on capital gains, but that has quickly changed. Now there are options for earning passive income through crypto lending, crypto staking,
- [Bear Market Crypto Strategies](https://deltec.io/news/bear-market-crypto-strategies/) - In June 2022, the S&P 500 entered its first major bear market, excepting the very brief bear market of 2020, in 13 years. Bitcoin’s original ethos of “digital gold” implied a lack of correlation to traditional markets. Yet crypto, the S&P 500, and Nasdaq appear interlinked regardless. So, what are the possible bear market crypto
- [Using Stablecoins as a Savings Account](https://deltec.io/news/using-stablecoins-as-a-savings-account/) - Our article focusing upon the inevitability and importance of stablecoin regulation given the success of fiat-backed stablecoins indirectly introduced another subject: savings in the time of inflation. How are investors already using stablecoins as a savings account? Regulators across the world seem to approve of fiat-backed stablecoins, whether begrudgingly or not, because they hold to
- [Deep Learning, AI, and Finance](https://deltec.io/news/deep-learning-ai-and-finance/) - Deep learning has been applied to computer vision (self-driving cars), natural language processing (speech-to-text), and audio-visual recognition. The successes seen with deep learning as a data processing pathway have attracted interest in several areas, including research and finance. According to the IDC, banking will be one of the industries that spends the most on AI
- [Why Stablecoins?](https://deltec.io/news/why-stablecoins/) - The fundamental question behind stablecoins and their destiny for disruption remains: why? Why do we need stablecoins at all? The world was getting on fine without them. It was more or less, stable. Was it? The bear market of 2022 following a virtually unbelievable v-shaped recovery following the first global pandemic of several generations brings
- [20 StartUps That Didn't Exist 5 Years Ago That Are Now Changing The World](https://deltec.io/news/20-startups-that-didnt-exist-5-years-ago-that-are-now-changing-the-world/) - Delchain was recently featured as one of “20 Startups That Didn’t Exist 5 Years Ago That Are Now Changing The World“. The article by startupbeat.com noted: “The global pandemic has brought about a true boom in startups, with a number of new companies around the world significantly surpassing previous years. In 2021, 5.3 million new business applications were
- [Are foreign companies going public in the U.S. at risk due to political de-globalization?](https://deltec.io/news/are-foreign-companies-going-public-at-risk/) - How will it impact U.S. investors’ investing decision on Foreign Private Issuers (“FPI”)1? Global View On U.S. Investments in Foreign Private Companies Listed in the U.S.: After reading the Financial Times article "Business leaders warn that three-decade era of globalization is coming to an end," we were inspired to investigate the global relationship of commerce
- [What Should Stablecoin Regulation Look Like? ](https://deltec.io/news/what-should-stablecoin-regulation-look-like/) - We’ve previously covered the basics of stablecoins and why fiat-backed stablecoins are winning over regulators. Yet that begs the question: what should stablecoin regulation look like? The foremost goal of a stablecoin remains to provide stability. Like with any traditional security, the regulator keeps a strict adherence to the primary intention of that asset. An
- [How To Create An NFT: A Step By Step Guide](https://deltec.io/news/how-to-create-an-nft-a-step-by-step-guide/) - With the increase in popularity of cryptocurrencies and blockchain technologies, now a global phenomenon, many investors include them as part of their investment portfolios. Non-Fungible Tokens have also increased in their prominence. We have previously discussed what NFTs are: one-off tokens built on blockchain tech, representing various rare and unique items in both the virtual
- [Deltec Initiatives Foundation announces 2020 Scholarship Recipient](https://deltec.io/news/deltec-initiatives-foundation-announces-2020-scholarship-recipient/) - A student of Mangrove Cay High School in Andros is the recipient of the 2020 Deltec Initiatives Foundation scholarship. David Rolle is the second Deltec Scholar since the scholarship program was launched in 2019. The Deltec Initiative for Scholarship and Education (DIFSE), one of the three pillars of the Deltec Initiatives Foundation fully funded by
- [Deltec provides much needed kitchen appliances to Bain & Grants Town Feeding Program](https://deltec.io/news/deltec-provides-much-needed-kitchen-appliances-to-bain-grants-town-feeding-program/) - Deltec continues to give support during the pandemic. On Friday, November 6th members of the Deltec Cares team were pleased to deliver much needed kitchen equipment and appliances to Rev. CB Moss’ Bain & Grants Town Feeding Program. Since 1991 the Bain Grants Town Advancement Association has operated a feeding program for residents of Bain and
- [Deltec donates much-needed computers to The Quakoo Street Community Centre](https://deltec.io/news/deltec-donates-much-needed-computers-to-the-quakoo-street-community-centre/) - Recognizing that the COVID-19 pandemic has caused a readjustment to the country’s educational system, Deltec Cares was more than happy to donate 13 desktop computers to the Quakoo Street Community Centre computer lab on Monday, November 23rd. The new computer lab had lacked its key component; computers. Many children from the Bain & Grants Town
- [Deltec Initiatives Foundation announces winner of the 2020 Deltec Young Entrepreneurs Award](https://deltec.io/news/deltec-initiatives-foundation-announces-winner-of-the-2020-deltec-young-entrepreneurs-award/) - Deltec Initiative for Young Entrepreneurs honors young, determined entrepreneurs in The Bahamas. After a very spirited competition, Deltec Initiatives Foundation (DIF) is pleased to announce Aquindo Colebrooke, the owner of Corn Diggity Dogs, as the 2020 winner of the Deltec Young Entrepreneurs Award. The winner was unveiled after the first-ever virtual business pitch competition hosted
- [Deltec mourns the passing of Sir. William Allen](https://deltec.io/news/deltec-mourns-the-passing-of-sir-william-allen/) - On behalf of the Board of Directors, management, staff and extended family of Deltec, we express sadness on the passing of Sir William Allen. Sir William served as an independent non-executive Director of Deltec Bank & Trust from 2002 to 2016. He was a trusted advisor of Deltec and great supporter of the bank and
- [Deltec staff spreads Christmas Cheer with the Elizabeth Estates Children’s Home](https://deltec.io/news/deltec-staff-spreads-christmas-cheer-with-the-elizabeth-estates-childrens-home/) - Deltec’s supportive staff generously spread lots of Christmas cheer during the 2020 holiday season with the children at the Elizabeth Estates Children’s Home. Staff generously donated gifts so that Christmas could be a little brighter for the children. The Deltec Cares team was happy to coordinate a virtual Angel Tree gift giving initiative, and happily delivered the
- [The Bahamas has been Officially Removed from the French List of Non-Cooperative States & Territories in Tax Matters](https://deltec.io/news/the-bahamas-has-been-officially-removed-from-the-french-list-of-non-cooperative-states-territories-in-tax-matters/) - The Bahamas has officially been removed from the Government of France’s ‘French List of Non-Cooperative States and Territories in Tax Matters’ (NCST). In an updated publication of the Official Diary of the French Republic, the NCST list was renewed by the French Ministry of Economics and Finance, on March 4th, where The Bahamas was delisted. The
- [Deltec Bank & Trust named Best Private Bank Caribbean 2021 by Global Banking & Finance Awards®](https://deltec.io/news/deltec-bank-trust-named-best-private-bank-caribbean-2021-by-global-banking-finance-awards/) - Deltec Bank & Trust has won the Best Private Bank Caribbean 2021 award courtesy of Global Banking & Finance Review. Deltec Bank & Trust, flagship company of Deltec International Group company achieved the honour for the second consecutive year, once again confirming its excellence in the industry. “With over 70 years of experience, Deltec Bank
- [Deltec Initiatives Foundation announces its     2021 Scholarship Recipient](https://deltec.io/news/deltec-initiatives-foundation-announces-its-2021-scholarship-recipient/) - The Deltec Initiatives Foundation is pleased to present the Deltec Scholarship for 2021 to Ricardo Sawyer of Mangrove Cay High School in Andros. The purpose of the scholarship is to increase postsecondary education opportunities to Family Island students, who otherwise would not have the financial means to fulfill their educational goals. Deltec is a longtime
- [Deltec pays Courtesy Call on the Prime Minister](https://deltec.io/news/deltec-pays-courtesy-call-on-the-prime-minister/) - Deltec International Group (DIG) recently paid a courtesy call on the Prime Minister of The Bahamas, the Honorable Philip ‘Brave’ Davis. In attendance at the meeting were DIG Chairman – Mr. Jean Chalopin and Chief Executive Officer (CEO) of Deltec Bank and Trust (Deltec) – Mrs. Odetta Morton. During the courtesy call, Mr. Chalopin affirmed
- [Deltec pays Courtesy Call on Attorney General](https://deltec.io/news/deltec-pays-courtesy-call-on-attorney-general/) - Chief Executive Officer (CEO) of Deltec Bank and Trust Limited – Mrs. Odetta Morton, along with other Deltec International Group (DIG) executives paid a courtesy call on the Attorney General, Senator L. Ryan Pinder on November 18, 2021. This meeting with the Attorney General is aligned with DIG’s strategic partnership with the government and regulators
- [Deltec meets with Minister Of Economic Affairs](https://deltec.io/news/deltec-meets-with-minister-of-economic-affairs/) - Deltec International Group (DIG) paid a courtesy call on the newly appointed Minister of Economic Affairs, Senator Michael Halkitis on November 11, 2021. The DIG delegation was led by Chief Executive Officer (CEO) of Deltec Bank and Trust Limited – Mrs. Odetta Morton. Mrs. Morton congratulated Minister Halkitis on his appointment and reiterated DIG’s commitment
- [Deltec Appoints Margaret Rosenfeld as Chief Strategy & Legal Officer](https://deltec.io/news/deltec-appoints-margaret-rosenfeld-as-chief-strategy-legal-officer/) - Deltec International Group (Deltec), a global financial and insurance services group for innovators and entrepreneurs, today announced the appointment of Ms. Margaret Rosenfeld as Chief Strategy and Legal Officer.
- [Deltec Boosts Digital Banking Innovation with Appointment of László Popovics as Chief Digitalization Officer](https://deltec.io/news/deltec-boosts-digital-banking-innovation-with-appointment-of-laszlo-popovics-as-chief-digitalization-officer/) - Deltec Bank & Trust Limited (Deltec Bank), a leading financial hub for global entrepreneurs and innovators, today announced the appointment of László Popovics as Chief Digitalization Officer as it accelerates its focus on digital innovation in banking and financial services.
- [Deltec to present the ‘Trusting Disruption’ Stage at Inaugural Crypto Bahamas](https://deltec.io/news/deltec-to-present-the-trusting-disruption-stage-at-inaugural-crypto-bahamas/) - Deltec International Group (Deltec), the global financial and insurance services group for innovators and trailblazers, today announced it has signed as Platinum sponsor at Crypto Bahamas, an exclusive gathering of the leading investors and builders in the blockchain, digital assets and web3 space hosted by FTX and SALT.
- [Crypto Market Integrity Coalition Welcomes       13 New Signatories](https://deltec.io/news/crypto-market-integrity-coalition-welcomes-13-new-signatories/) - With 30 Signatories Including Many of the World’s Largest Crypto Exchanges Joining the Pledge to Advance Fair Digital Asset Markets, Momentum for Industry-led Crypto Market Integrity Coalition Ramps Up
- [Deltec Bank’s Chief Risk Officer: Emmanuel O. Komolafe, appointed by the Government of The Bahamas to Digital Advisory Panel](https://deltec.io/news/deltec-banks-chief-risk-officer-emmanuel-o-komolafe-appointed-by-the-government-of-the-bahamas-to-digital-advisory-panel/) - Nassau, Bahamas – May 6, 2022 – Chief Risk Officer of Deltec Bank & Trust Limited (“Deltec Bank”), Emmanuel O. Komolafe, has been appointed by the Government of The Bahamas to serve on the new Digital Advisory Panel.
- [Why We Need Fiat Backed Stablecoin](https://deltec.io/news/why-we-need-fiat-backed-stablecoins/) - Cryptocurrency carries this cryptic veil around it. Its coins allure investors new and veteran, far and wide, hoping to strike digital gold by gambling with its infamous volatility. Stablecoins, however, suffer from a keen lack of volatility. Likely you know about Bitcoin, Ether, and the sporadic rollercoaster affecting their prices. Less likely you know about
- [TerraUSD and The Next Era of Stablecoins](https://deltec.io/news/terrausd-and-the-next-era-of-stablecoins/) - On May 9, 2022, the TerraUSD (UST) algorithmic stablecoin crashed, losing nearly all of its value. What does this mean for stablecoins? Hardly the end. If anything, it reflects the continuously increasing interest in crypto that has been growing since 2009. In order for any asset to fall, it first has to rise. While this
- [FTX Proposes Direct Clearing for Futures Trading](https://deltec.io/news/ftx-proposes-direct-clearing-for-futures-trading/) - FTX brought and debated a disruptive approach of The Clearinghouse model in front of the U.S. Congress today by proposing two new, key features: direct clearing access sidestepping autocratic control of futures trading, and automated liquidations of margin positions.
- [Deltec teams up with Jambb for an NFT Giveaway at Crypto Bahamas](https://deltec.io/news/deltec-teams-up-with-jambb-for-an-nft-giveaway-at-crypto-bahamas/) - Deltec, a leading financial and insurance services group for innovators and trailblazers around the world, announced that it teamed up with Jambb and Jambb Comedy, the Web3 home of comedy’s top digital collectibles, for an exclusive NFT giveaway at Crypto Bahamas.
- [What Are Stablecoins?](https://deltec.io/news/what-are-stablecoins/) - Stablecoins function as cryptocurrencies whose respective values are pegged to an underlying currency, commodity, or another financial instrument. Most often, stablecoins exist to maintain a stable value over time and provide a solid alternative to those unwilling to risk the elevated volatility of major coins such as Bitcoin or Ethereum. The two largest stablecoins by

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