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Litecoin is a peer-to-peer cryptocurrency created by Charlie Lee. It was created based on the Bitcoin protocol but differs in terms of the hashing algorithm used. Litecoin uses the memory intensive Scrypt proof of work mining algorithm. Scrypt allows consumer-grade hardware such as GPU to mine those coins.  Why Litecoin? Litecoin is a cryptocurrency that has evolved from Bitcoin after its own popularity in the industry, this alternative, or ‘altcoin’ has emerged to allow investors to diversify their digital currency package, according to Investopedia. Litecoin is one of the most prominent altcoins and was created by former Google employee and Director of Engineering at Coinbase, Charlie Lee. Litecoin was the first to alter Bitcoin and the most significant difference is that it takes 2.5 minutes for Litecoin to generate a block, or transaction, in comparison to Bitcoin's 10 minutes.  ‘While this matters little to traders, miners who use hardware to run Bitcoin's network cannot switch over to Litecoin. This keeps bigger mining conglomerates away from Litecoin because they cannot easily optimize their profits by swapping to another coin, contributing to a more decentralized experience. Litecoin also has bigger blocks, and more coins in circulation, making it more affordable and swift when transacting,’ Investopedia explained.  As explained above, Litecoin can transact a lot faster than Bitcoin, but there are also a number of other characteristics that investors need to know before trading. Litecoin can handle higher volumes of transactions because of the capability of transacting faster and if Bitcoin attempted to transact on the scale of its altcoin, a code update would be needed. However, Litecoin’s blocks would be larger, but with more ‘orphaned blocks'. The faster block time of litecoin reduces the risk of double spending attacks - this is theoretical in the case of both networks having the same hashing power.  Litecoin Technical Details: The transaction confirmation time taken for Litecoin is about 2.5 minutes on average (as compared to Bitcoin's 10 minutes). The Litecoin network is scheduled to cap at 84 million currency units.   Litecoin has inspired many other popular alternative currencies (eg. Dogecoin) because of its Scrypt hashing algorithm in order to prevent ASIC miners from mining those coins. However it is said that by the end of this year, Scrypt ASIC will enter the mass market.

Litecoin

Litecoin is actively trending amidst mixed community sentiment, with some observing strong technical support levels and anticipating potential upward movement. A key discussion point revolves around the highly anticipated LitVM upgrade, which proponents believe will significantly enhance Litecoin's utility and role in the broader cryptocurrency ecosystem.

Polygon

Polygon (POL) is experiencing significant buzz driven by robust on-chain revenue growth and escalating network usage, leading many to believe it is undervalued compared to similar projects. The community is actively discussing its strategic focus on payments, advancements in scaling technology, and the deflationary impact of token burning.

POET Technologies, Inc. engages in the designing, developing, manufacturing and sale of opto-electronic solutions for the sensing, data communications and telecommunications markets. It developed POET Optical Interposer platform, which allows the integration of electronic and photonic devices into a single multi-chip module. The company was founded on November 14, 1985 and is headquartered in Toronto, Canada.

POET Technologies Inc

POET Technologies is trending as its optical interposer technology is seen as a crucial solution for next-generation AI and data center connectivity, drawing significant community discussion around its strategic partnerships and anticipated revenue ramp through 2026. The stock is experiencing heightened trading interest driven by market enthusiasm for photonics and considerable options activity, fueling speculation of potential volatility. Investors are keenly watching for further commercialization updates, given its pivotal role in addressing AI's demanding data transfer needs.

The Cosmos network consists of many independent, parallel blockchains, called zones, each powered by classical Byzantine fault-tolerant (BFT) consensus protocols like Tendermint. Some zones act as hubs with respect to other zones, allowing many zones to interoperate through a shared hub. The architecture uses classic BFT and Proof-of-Stake algorithms, instead of Proof-of-Work. Cosmos can interoperate with multiple other applications and cryptocurrencies, something other blockchains can’t do well. By creating a new zone, you can plug any blockchain system into the Cosmos hub and pass tokens back and forth between those zones, without the need for an intermediary.  While the Cosmos Hub is a multi-asset distributed ledger, there is a special native token called the atom. ATOM have three use cases: as a spam-prevention mechanism, as staking tokens, and as a voting mechanism in governance.  As a spam prevention mechanism, ATOM are used to pay fees. The fee may be proportional to the amount of computation required by the transaction, similar to Ethereum’s concept of “gas”. Fee distribution is done in-protocol and a protocol specification is described here.  As staking tokens, ATOM can be “bonded” in order to earn block rewards. The economic security of the Cosmos Hub is a function of the amount of ATOM staked. The more ATOM that are collateralized, the more “skin” there is at stake and the higher the cost of attacking the network. Thus, the more ATOM there are bonded, the greater the economic security of the network.  Atom holders may govern the Cosmos Hub by voting on proposals with their staked ATOM.

Cosmos

Cosmos ($ATOM) is currently a hot topic as its community extensively discusses a proposed tokenomics redesign aimed at transitioning to a revenue-based economic model, away from inflationary staking rewards. While many investors are drawn to its high staking APY and its vision as the "Internet of Blockchains," sentiment is sharply divided between those optimistic about its long-term potential and others frustrated by its recent price performance.

The White Whale

WHITEWHALE CRYPTO is generating significant community discussion following its recent Bybit listing and impressive growth in market capitalization. Sentiment is mixed, with some highlighting strong volume and substantial locked liquidity as bullish signs, while others remain wary of 'pump and dump' characteristics. The token's unique supply lock until 2063 is a key talking point among traders.

Mastercard, Inc. is a technology company, which engages in the provision of payment solutions for the development and implementation of credit, debit, prepaid, commercial, and payment programs through its brands including Mastercard, Maestro, and Cirrus. It also offers cyber and intelligence solutions. The company was founded in November 1966 and is headquartered in Purchase, NY.

Mastercard Incorporated - Ordinary Shares - Class A

Mastercard Inc

Mastercard is trending due to former President Trump's proposal for a one-year cap on credit card interest rates at 10%, igniting sharp debate among investors. While some anticipate a negative impact on credit companies, a significant portion of the community argues that payment networks like Mastercard primarily profit from transaction fees, suggesting lower rates could stimulate card usage and overall spending. This distinction underscores the differing views on how potential regulatory changes might affect Mastercard's core business model versus credit card issuers.

Root, Inc. is a technology insurance company, which engages in the provision of insurance services. It offers mobile telematics and technology platforms to segment individual risk based on complex behavioral data and customer experience to make pricing decisions and grow businesses. It provides insurance products and services in the United States. The company was founded by Alexander E. Timm and Daniel Manges in February 2015 and is headquartered in Columbus, OH.

Root Inc - Ordinary Shares - Class A

Root Inc

ROOT is generating buzz as investors look to the upcoming ICR Conference featuring CEO Alex Timm and high expectations for Q4 earnings, which many believe will confirm accelerating Policies In Force (PIF) growth and improved profitability. While a significant portion of the community champions its deep undervaluation compared to peers and potential for a short squeeze, others remain cautious, citing persistent price pressure and a perceived lack of proactive retail investor engagement from management.

The TROLL token on the Solana network is a meme coin inspired by internet trolling culture, designed for entertainment and community engagement with no intrinsic value. Built on Solana’s blockchain, it leverages the network’s fast transactions and low fees to appeal to meme enthusiasts. Launched on decentralized exchanges, TROLL aims to foster a fun, community-driven ecosystem through social media, influencer partnerships, and viral marketing, embodying the playful spirit of online trolling.

Troll

TROLL Crypto is currently trending amidst reports of officially acquiring rights to the iconic Trollface meme, further fueled by continued community association with Elon Musk's 'Chief Troll Officer' persona. The crypto community is actively discussing a 'return to memes' narrative, strongly positioning TROLL as a significant player poised for substantial growth alongside established meme coins like Doge and Pepe.

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Tradr 2X Long APLD Daily ETF

APLX, the 2X leveraged ETF for Applied Digital (APLD), is trending with significant momentum, driven by APLD's robust contract growth in its data center operations, fueled by strong demand for AI infrastructure. The trading community is actively celebrating substantial gains and anticipating further upside, though many emphasize its use for short-term plays given its leveraged nature.

Bankr is an advanced AI agent focused on simplifying the process of buying and selling digital assets. Bankr was the first AI agent on Farcaster to help you quickly buy all your favorites coins directly in the social. BankrCoin is the official coin of the agent and was deployed by Bankr itself directly in the Farcaster social feed. Fees from swaps go to support BankrCoin. Bankr is available on Farcaster and will soon be launching a private terminal, token recs, and limit orders on Base.

BankrCoin

BankrCoin is trending due to strong community belief in its AI-driven utility within the Coinbase Base ecosystem. Investors are actively discussing its potential for significant price appreciation, fueled by optimism surrounding broader crypto market tailwinds such as anticipated regulatory clarity and increased liquidity.

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Affirm Holdings, Inc. (AFRM) is Attracting Investor Attention: Here is What You Should Know  

Recently, Zacks.com users have been paying close attention to Affirm Holdings (AFRM). This makes it worthwhile to examine what the stock has in store.

Affirm (NASDAQ:AFRM) Price Target Lowered to $110.00 at TD Cowen

TD Cowen lowered their price objective on Affirm from $115.00 to $110.00 and set a "buy" rating for the company in a research report on Thursday...

Chase to Issue Apple Card: What's Ahead for Apple's Payments Business?

Chase will become Apple Card issuer within 24 months, as AAPL boosts fintech and Services growth.


<ul class="summary-bullets"><li>Garnishment of wages builds on the U.S. government’s power to stop paychecks and seize federal tax refunds if someone fails to pay back federal debts.</li><li>Last year, the Trump Administration’s OBBBA passed through the Senate on July 1, restricting federal borrowing for graduate and professional students.</li><li>JPMorgan estimated that a 10 percentage-point increase in SoFi's market share from the OBBBA could drive an additional $1.4 billion in student loan origination volume.</li></ul>The U.S. Department of Education decided in December that it would begin seizing&nbsp;the wages of&nbsp;borrowers who have been unable to repay their student loans, and with January underway, that reality is fast approaching for many.Last year, the Trump Administration’s “One Big Beautiful Bill” Act (OBBBA) passed the Senate on July 1, limiting federal borrowing for graduate and professional students. Many borrowers have struggled to repay their loans due to a weak job market and heightened economic uncertainty.Wall Street analysts and investors had anticipated that this move could benefit companies like SoFi Technologies, which offer private student loans and could see growth in earnings as a result.A bullish user on Stocktwits said that SoFi is considered "safer" by many analysts because its revenue is diversified across lending and student loans.<stembedurl>https://www.stocktwits.com/Waldo_5150/message/641171795</stembedurl><h2 class="st-heading-2">Garnishment Of Wages</h2>Garnishment of wages builds on the U.S. government’s power to stop paychecks and seize federal tax refunds if someone fails to pay back federal debts. According to CNBC, around 1,000 students who have borrowed loans and failed to repay them will&nbsp;receive notices of administrative wage garnishment.In May, the U.S. Department of Education announced its Office of Federal Student Aid would resume collections of its defaulted federal student loan portfolio. The Department has not collected on defaulted loans since March 2020.&nbsp;As of April last year, the department noted that 42.7 million borrowers&nbsp;owed more than $1.6 trillion in student debt. More than 5 million borrowers have not made a monthly payment for over 360 days and&nbsp;are in default, with many in default for more than seven years.The education department had anticipated that there could be almost 10 million borrowers eventually, and that would lead to almost 25% of the federal student loan portfolio being in default.&nbsp;<h2 class="st-heading-2">Wall Street View</h2>JPMorgan estimated that a 10 percentage-point increase in SoFi's market share from the OBBBA could drive an additional $1.4 billion in student loan origination volume, potentially yielding up to $70 million in incremental annual origination fees and $200 million in gross interest income.This, along with a possible inclusion in the S&amp;P 500 Index and expansions to give expanded access to alternative investments to include new private market funds from asset management firms, including Cashmere, Fundrise and Liberty Street Advisors.Bank of America on Wednesday resumed coverage of SoFi Technologies with an ‘Underperform’ rating and $20.50 price target, according to The Fly. The firm said that SoFi raised $1.7 billion in capital in the third quarter of 2025 through an equity offering and completed its second capital raise of the year in December,&nbsp;totaling $1.5 billion.The brokerage said that it views the capital raise as a "modest positive" as it provides ammunition to power continued growth.<h2 class="st-heading-2">How Are Stocktwits Users Reacting?</h2>Retail sentiment on SoFi jumped to ‘extremely bullish’ from ‘bearish’ a week ago, with message volumes at ‘extremely high’ levels, according to data from Stocktwits.While sentiment on peer fintech firms such as PayPal was in the ‘bearish’ territory, compared to ‘neutral’ a day ago, and on Affirm, retail sentiment was in the ‘neutral’ territory compared to ‘bearish’ a day ago.Shares of SoFi have gained nearly 86% while PayPal stock has declined 33% and Affirm has gained over 41% in the last 12 months.For updates and corrections, email newsroom[at]stocktwits[dot]com.Also See: <a href="https://stocktwits.com/news-articles/markets/equity/advantage-sweetgreen-salad-and-go-exits-texas-for-long-term-survival/cmUGU4YR4P4">Advantage Sweetgreen? Salad and Go Exits Texas In A Bid For Long-Term Survival</a>

Veteran and student loan borrower Bonni Snider testifies during a special forum.

What Is Wage Garnishment Rising From Student Loans — And Can SoFi Be A Likely Beneficiary?

While tensions regarding garnishment of wages for failing to pay student loans rise, here is a quick look at a likely winner in the private lending sector.

Equity

While tensions regarding garnishment of wages for failing to pay student loans rise, here is a quick look at a likely winner in the private lending sector.


Affirm Holdings (AFRM) Outpaces Stock Market Gains: What You Should Know

The latest trading day saw Affirm Holdings (AFRM) settling at $82.34, representing a +1.91% change from its previous close.

Gateway Investment Advisers LLC Buys New Holdings in Affirm Holdings, Inc. $AFRM

Gateway Investment Advisers LLC purchased a new position in shares of Affirm Holdings, Inc. (NASDAQ:AFRM - Free Report) during the third quarter, according to the company in its most recent filing...

Wall Street Zen Downgrades Affirm (NASDAQ:AFRM) to Hold

Wall Street Zen lowered Affirm from a "buy" rating to a "hold" rating in a research report on Saturday...

Affirm Holdings, Inc. $AFRM Shares Purchased by Allspring Global Investments Holdings LLC

Allspring Global Investments Holdings LLC increased its holdings in shares of Affirm Holdings, Inc. (NASDAQ:AFRM - Free Report) by 96.3% during the 3rd quarter, according to the company in its most...

Affirm Holdings (AFRM) Registers a Bigger Fall Than the Market: Important Facts to Note

Affirm Holdings (AFRM) concluded the recent trading session at $74.43, signifying a -1.87% move from its prior day's close.

Buy 3 Fintech Bigwigs for 2026 to Tap Global Digital Finance Revolution

HOOD, SOFI and AFRM lead a fintech trio poised to ride AI, mobile growth and lower rates into 2026's digital finance boom.


Affirm Holdings, Inc. operates a platform for digital and mobile-first commerce. Its platform consists of three core elements: a point-of-sale payment solution for consumers, merchant commerce solutions, and a consumer-focused app. The company was founded by Max R. Levchin in 2012 and is headquartered in San Francisco, CA.

Affirm Holdings Inc - Ordinary Shares - Class A

Yes — Rates Move Meaningfully Lower

Short-Term Dip, No Lasting Impact

No — Mostly Political Noise

Other – Comment Below

President Trump says he’s directing $200 billion into mortgage bond purchases to bring down rates and improve housing affordability. With questions around execution, authority, and real market impact, do you think this move will actually lower mortgage rates in 2026?

Will Trump’s Mortgage Bond Plan Actually Lower Rates in 2026?

Fiscal Period	Estimated	Reported	Surprise	Result
Q2 '26	$0.27	--	--	N/A
Q1 '26	$0.11	$0.23	105.22%	BEAT
Q4 '25	$0.12	$0.20	61.91%	BEAT
Q3 '25	-$0.01	$0.01	258.23%	BEAT
Q2 '25	--	$0.25	--	N/A

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