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How Decentralized Finance Makes Investing Universally Accessible

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The following content is sponsored by Abra.

Decentralized Finance

How Decentralized Finance Makes Investing Accessible

Historically, global financial markets have been restricted to those with exactly the right contacts, in the right locations, and with vast amounts of wealth already at their disposal. Investing for the general population, however, was typically expensive, cumbersome, and inaccessible.

Fortunately, today’s infographic from Abra demonstrates how the decentralized financial market has brought about solutions to these hurdles.

Why Investing Should be More Accessible

Many factors such as theft, inflation, and political or economic shifts can erode personal wealth over time.

Being able to invest in the global financial market offers a hedge against these risks, and yet for those with modest resources and limited connections, investing has typically been out of reach.

Consider several well-known platforms or funds:

  • Etrade ─ $500
  • T. Rowe Price ─ $2,500
  • Vanguard S&P Mid-Cap 400 Index Fund ─ $5,000,000

Investment minimums range from several hundred to several million dollars—making any hope of investing impossible for most.

This is especially urgent for the global middle class, which is expected to swell 180% by 2040. Having access to more avenues to build and protect wealth will be key to sustainable economic growth for a growing majority worldwide.

But how can people actually start investing if much of the current market is still too expensive?

Fractional Investing Offers Better Access

In the past, brokers were limited to buying and selling stocks as whole units.

Fractional investing, however, allows investors with a lower net worth to access valuable, expensive stocks. It also attracts investors that are less likely to buy and sell on a whim and instead focus on long-term growth.

Blockchain technology has been a key component in this democratization of global wealth—much like fractional investing—because people are no longer restricted by their resources, location, or lack of connections.

A New Wave of Investing

Decentralized finance is:

  • Permissionless
    Users no longer need a third-party to verify their transactions.
  • Global
    Users can access decentralized financial markets from anywhere using their smart devices.
  • Transparent
    Every transaction is made publically viewable.
  • Censorship-resistant
    No one can make arbitrary changes or cause system-wide shutdowns.
  • Programmable
    Anyone can customize smart contracts based on regional and technical requirements.

Decentralized financial tools, using blockchain and cryptocurrencies, are providing excellent alternatives to building wealth by offering smaller investment minimums, lower fees, and faster transaction times.

The rise of Bitcoin and other cryptocurrencies introduced the world to the simple concept of fractional investing—owning extremely small fractions of digital currencies.

Now, investors can also own fractions of high-priced stocks, ETFs, fiat currencies, cryptocurrencies, and stable coins, through Abra’s novel platform.

Abra: the Blockchain-based Investment App

Abra is the world’s first global investment app that uses the Bitcoin blockchain to make investing more accessible. Abra makes it fast and easy to manage your investments—all from one app.

  1. Simple: Easy to use and globally available, Abra’s app makes investing a breeze.
  2. Secure: Abra is secure and private—backed by blockchain and smart-contract technology—giving investors full control of their funds through non-custodial wallets.
  3. Fractionalized: Invest in partial shares of traditional and digital assets, starting at $5.
  4. Global: Trade, store value, and invest in a range of fiat currencies, cryptocurrencies, ETFs, and stocks from 154 countries.

The Future of Investing

Historically, investing in equities has been a key to building personal wealth, and Abra’s technology allows more people around the world to access the same types of investments, no matter their location or income.

A survey of Abra users shows the democratization of investing in action:

Affordability: Most Abra users have roughly US$50 in their portfolios.

Security: Abra users enjoy privacy of information and full control of their assets.

Accessibility: A top priority for Abra users, they are able to invest in financial markets and expensive equities worldwide.

With its intuitive, global platform, Abra has introduced the future of investing for everyone.

“For the first time, we can truly democratize access to investment opportunities at global scale.”

—Bill Barhydt, CEO of Abra

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Unlocking Earth’s Treasures with Mineral Exploration

There are untold treasures in the Earth’s surface waiting for discovery. Skeena Resources is opening the vault in the Golden Triangle at Eskay Creek.

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Natural Wealth

Unlocking Earth’s Treasures with Mineral Exploration

There are untold treasures of gold, silver, copper, and much more that lie beneath the Earth’s surface, awaiting discovery—and it takes mineral exploration and the right team to unlock this hidden wealth from the depths.

Mining exploration company Skeena Resources is opening the vault to the treasures of British Columbia’s Golden Triangle at the famous Eskay Creek property.

Following in footsteps of other successful mineral exploration efforts, Skeena is proving there is more value to unlock at Eskay Creek. The Golden Triangle is already home to some of the most productive mines in the world.

Keys to the Vault: Turning Discoveries into Resources

A mineral exploration company such as Skeena conducts geological studies to turn a discovery into a mineable resource. As each mineral deposit becomes better understood, new value is unlocked and its economic value increases.

The mining industry uses three resource classifications for a mineral discovery, based on the amount and proximity of drill holes.

  1. Inferred
  2. Indicated
  3. Measured

Each one of these categories represent the confidence with which an economic source of minerals exists. The “Inferred” classification is the lowest level of confidence that a certain amount of ore exists in a location while “Measured” is the highest.

Companies drill holes and pull out small samples of the ground in order to discover and measure the continuity and grade of a mineral occurrence. The results of drilling provide more and more data for improving the understanding of a deposit. Each study eventually cuts the key to unlock the treasure below.

Grade is King: The Higher the Grade, The Lower the Costs

In order for a mineral deposit to be valuable it must pass the grade. The amount of the sought-after mineral within a particular amount of rock is known as the ore grade. Typically, the higher the ore grade, the more profitable a mine can be.

Skeena Resource’s Eskay Creek has a grade of 4.3 grams per tonne ‘g/t’, making it 3x higher than the global average grade of open pit mining projects. This could potentially make it all the more unique and valuable to investors.

Unlocking the Vault

Gold’s value is in part due to its rarity. The precious metal cannot be artificially produced and is only found deep inside the vault that is the Earth’s crust. This makes mineral exploration an extremely rewarding business if a discovery is made.

In terms of statistics, the odds are 1 in 10,000 that greenfield exploration produces a profitable mine—and odds are even more remote for a mineral occurrence to become a world-class mine. Further, if a gold deposit is actually found, there is only a 10% chance it will have enough gold justify further development.

Through targeted mineral exploration, Skeena Resources is proving there is more golden treasure to uncover at the legendary Eskay Creek.

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How Hospital Bottlenecks Cause A Healthcare Gridlock

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How Hospital Bottlenecks Cause A Healthcare Gridlock

The healthcare industry is complex and interdependent. Much like a highway interchange, it relies on multiple players and processes to flow smoothly.

But just like in an interchange, a single roadblock can bring the system to a grinding halt—leading to serious consequences for all involved.

The Healthcare Silos

In healthcare, there are three primary players, each with their own priorities. However, they stay in their own lane and rely on independent software systems to achieve their goals.

Healthcare playerMain prioritySystem used
PatientsSeek an engaged and personalized experienceDigital technologies
- Example: mobile health, wearables
- Provide constant monitoring and instantaneous updates
Providers (Doctors, nurses, and more)Provide the highest quality of careElectronic health records
- A comprehensive record of a patient’s medical history
Payers (Insurance companies)Balance the cost and quality of careClaims database
- Information on medical appointments, bills, and more (some claims can take 60 days to process)

This leads to frustrations for all parties, including poor communication and uncoordinated care.

A Not-So-Patient Journey

What factors lead to a less-than-desirable experience? Challenges arise from the moment a patient walks into a hospital

  1. Entering the Emergency Department (ED)
    Overcrowded EDs are often the first point of contact for a patient. On average, 43.3 per 100 people visit the emergency department annually in the United States for everything from fevers to injuries. Of these, 6 out of 10 must wait longer than 15 minutes before they can be seen by a provider.
  2. Playing the Waiting Game
    Patients are willing to endure up to 2 hours in the emergency department, but wait times often surpass that. The average wait time in 2017 was upwards of 352 minutes, or almost six hours. As a result, up to 9% of patients leave without being seen (LWBS).

There’s simple psychology behind why some people aren’t able to wait it out. According to former Harvard professor David Maister, unoccupied time that is compounded with anxiety makes a wait feel longer.

These long waits also affect a patient’s perception and satisfaction of the care they eventually do receive.

The True Cost

After they’re admitted, inconsistent processes and flows continue to plague patient experiences.

A typical hospital stay can rack up a single patient close to $12,000 across 4.6 days. With these costs climbing every year, uncoordinated care adds to these receipts by extending the stay.

Uncoordinated care also creates a dire strain on resources, including the humans behind all the work. The resulting physician burnout costs the U.S. health system $32 billion annually. While lost productivity causes over half ($18 billion) of this amount, another $8.5 billion is due to poor experiences, which impacts patient satisfaction which leads to falling margins for hospitals.

Severe bottlenecks compound these issues, forcing the healthcare system into a gridlock.

What’s Causing the Jam?

Disjointed communication and a lack of visibility across systems are the major reasons for these costly standstills. This is analogous to using a paper map to navigate:

  • No updates based on the current situation
  • Time-consuming to figure out specific route to a destination
  • Show multiple routes, but not the fastest way to get there

What if there was a smart GPS to help the healthcare industry overcome roadblocks?

  • Real-time, dynamic updates on the current situation
  • Knows where you are, and where you need to go
  • Filters only the appropriate and relevant information

The Leidos careC2 Command Center solves healthcare traffic jams.

The coordinated technology suite rapidly identifies and reduces bottlenecks and delays in the care process. This improves the operational flow of hospitals—so that patients, providers, and payers all reach their destinations safely and efficiently.

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