https://payney.com/ Personal finance, investing and fintech news, guides and calculators. en-us Wed, 16 Sep 2026 14:14:19 +0000 https://payney.com/favicon-192.png https://payney.com/ 144 144 https://payney.com/blog/deutsche-bank-crypto-custody-4-assets-end-2026-launch/ Deutsche Bank plans institutional crypto custody by end-2026, starting with bitcoin, ether, USDC and EURC. The launch still awaits completion of regulatory checks. Wed, 16 Sep 2026 14:14:19 +0000 https://payney.com/blog/deutsche-bank-crypto-custody-4-assets-end-2026-launch/ banking https://payney.com/blog/fed-sept-16-decision-25bp-hike-would-be-first-since-2023/ The FOMC decides Sept. 16 at 2 p.m. ET. A 25bp hike would lift the target range to 3.75%-4.00%, the first rise since 2023, with July core PCE at 3.3%. Wed, 16 Sep 2026 14:14:04 +0000 https://payney.com/blog/fed-sept-16-decision-25bp-hike-would-be-first-since-2023/ economy https://payney.com/blog/bitcoin-etfs-shed-450m-as-senate-blocks-clarity-act/ US spot bitcoin ETFs logged $450M of net outflows on Sept 15, the day the Senate's CLARITY Act cloture vote failed 49-50. What the flows do not yet prove. Wed, 16 Sep 2026 14:13:58 +0000 https://payney.com/blog/bitcoin-etfs-shed-450m-as-senate-blocks-clarity-act/ crypto https://payney.com/blog/uk-inflation-hits-31-as-petrol-prices-jump-23-in-august/ UK CPI rose to 3.1% in August 2026 from 2.9%, driven by a 23% annual jump in motor fuel costs, while core inflation held at 2.9% before the BoE's 17 September call. Wed, 16 Sep 2026 12:49:18 +0000 https://payney.com/blog/uk-inflation-hits-31-as-petrol-prices-jump-23-in-august/ economy https://payney.com/blog/iran-war-fuel-bill-780-per-us-household-not-1700/ Brown's tracker puts the Iran war's extra fuel cost at about $780 per US household, $101 billion in total. The $1,700 household figure remains unverified. Wed, 16 Sep 2026 12:49:10 +0000 https://payney.com/blog/iran-war-fuel-bill-780-per-us-household-not-1700/ economy https://payney.com/blog/clarity-act-fails-senate-cloture-vote-49-50-whats-next/ The Senate blocked the CLARITY Act 49-50 on Sept. 15, 2026, eleven votes short of the 60 needed. What the official Senate record shows and what comes next. Wed, 16 Sep 2026 12:49:04 +0000 https://payney.com/blog/clarity-act-fails-senate-cloture-vote-49-50-whats-next/ regulation https://payney.com/blog/hardware-wallet-vs-exchange-custody/ A hardware wallet stores keys and signs transactions offline; coins stay on-chain. Compare exchange custody, backup formats, passphrases and recovery limits. Tue, 15 Sep 2026 18:30:46 +0000 https://payney.com/blog/hardware-wallet-vs-exchange-custody/ crypto https://payney.com/blog/10-year-treasury-yield-hits-504-highest-since-2007/ The 10-year Treasury yield touched 5.041% on Sept. 15, 2026, its highest since July 2007. What oil, 3.4% inflation and Wednesday's Fed vote mean for you. Tue, 15 Sep 2026 14:22:58 +0000 https://payney.com/blog/10-year-treasury-yield-hits-504-highest-since-2007/ markets https://payney.com/blog/doj-seeks-forfeiture-of-6119m-usdt-in-iran-oil-case/ US prosecutors filed a Sept. 14, 2026 complaint seeking forfeiture of 61.19M USDT frozen on 10 Tron addresses, alleged sanctioned Iranian oil proceeds. Tue, 15 Sep 2026 13:51:34 +0000 https://payney.com/blog/doj-seeks-forfeiture-of-6119m-usdt-in-iran-oil-case/ regulation https://payney.com/blog/house-crypto-tax-bill-drops-296b-staking-deferral/ The House's 114-page crypto tax bill, H.R. 10357, leaves out a mining and staking deferral estimated at $2.956 billion, with markup set for Sept. 16. Tue, 15 Sep 2026 13:51:05 +0000 https://payney.com/blog/house-crypto-tax-bill-drops-296b-staking-deferral/ regulation https://payney.com/blog/bitcoin-tops-79k-on-trump-iran-remarks-oil-still-high/ Bitcoin rose roughly 3% above $79,000 on Sept. 14 after Trump's Iran remarks, yet crude closed 1.29% higher on the day and a Fed decision lands Sept. 16. Mon, 14 Sep 2026 23:53:34 +0000 https://payney.com/blog/bitcoin-tops-79k-on-trump-iran-remarks-oil-still-high/ crypto https://payney.com/blog/8-bank-groups-seek-tighter-clarity-act-stablecoin-limits/ Eight banking trade groups want tighter stablecoin reward limits before the Senate's 60-vote CLARITY Act cloture test at 2:15 p.m. ET on Sept. 15, 2026. Mon, 14 Sep 2026 23:53:22 +0000 https://payney.com/blog/8-bank-groups-seek-tighter-clarity-act-stablecoin-limits/ regulation https://payney.com/blog/bitcoin-hits-78280-as-chip-index-falls-almost-6-monday/ Bitcoin traded as high as $78,280 on Sept 14 as the chip index fell almost 6% on AI slowdown calls, with a Senate vote and Fed decision due this week. Mon, 14 Sep 2026 22:44:24 +0000 https://payney.com/blog/bitcoin-hits-78280-as-chip-index-falls-almost-6-monday/ crypto https://payney.com/blog/warshs-fed-9-3-july-vote-frames-sept-16-hike-fight/ Markets put roughly 83% odds on a quarter-point Fed hike on Sept. 16 after July's 9-3 hold. What is verified about Warsh's vote count, and what is not. Mon, 14 Sep 2026 22:44:14 +0000 https://payney.com/blog/warshs-fed-9-3-july-vote-frames-sept-16-hike-fight/ economy https://payney.com/blog/snowflake-lifts-fy2027-product-revenue-view-to-607b/ Snowflake's Q2 product revenue rose 37% to $1.49bn and FY2027 guidance went to $6.07bn from $5.84bn. The figures that matter, and the ones still missing. Mon, 14 Sep 2026 22:44:12 +0000 https://payney.com/blog/snowflake-lifts-fy2027-product-revenue-view-to-607b/ investing https://payney.com/blog/shopify-transaction-fees/ Understand Shopify transaction fees, US plan rates, PayPal exceptions and refund costs, with a $100 order example and steps to check your bill. Mon, 14 Sep 2026 20:37:01 +0000 https://payney.com/blog/shopify-transaction-fees/ fintech https://payney.com/blog/wto-stablecoins-are-just-3-of-international-payments/ Stablecoins are about 3% of international payments, the WTO said on Sept. 14, 2026, blaming fragmented rules; only five jurisdictions have final frameworks. Mon, 14 Sep 2026 15:55:26 +0000 https://payney.com/blog/wto-stablecoins-are-just-3-of-international-payments/ regulation https://payney.com/blog/ais-market-grip-slips-as-vixeq-vix-spread-sheds-14-points/ VIXEQ-VIX spread hit a record 34.14 points on July 9, then narrowed over 14 points as the 10-year Treasury yield touched 5% before the Sept. 16 Fed call. Mon, 14 Sep 2026 15:55:19 +0000 https://payney.com/blog/ais-market-grip-slips-as-vixeq-vix-spread-sheds-14-points/ markets https://payney.com/blog/stocks-slide-as-10-year-hits-5-brent-holds-near-108/ The 10-year Treasury yield hit 5% on Sept. 14, 2026, as Brent crude held near $108 and a key semiconductor gauge sank 5.7% two days before the Fed's call. Mon, 14 Sep 2026 15:55:14 +0000 https://payney.com/blog/stocks-slide-as-10-year-hits-5-brent-holds-near-108/ markets https://payney.com/blog/chargeback-vs-refund/ Compare chargebacks, refunds and authorization reversals, follow a $100 order example, and handle a refund request after a payment dispute opens. Mon, 14 Sep 2026 10:28:46 +0000 https://payney.com/blog/chargeback-vs-refund/ fintech https://payney.com/blog/blockstream-refuses-ransom-over-5985-btc-liquid-hack/ Blockstream won't pay ransom for the 598.5 BTC (about $47M) still missing after the Sept 6 Liquid Network exploit. The verified numbers and what stays open. Sat, 12 Sep 2026 21:38:42 +0000 https://payney.com/blog/blockstream-refuses-ransom-over-5985-btc-liquid-hack/ crypto https://payney.com/blog/nvidia-weighs-10b-anchor-stake-in-anthropics-2t-ipo/ Reuters says Nvidia may commit up to $10 billion as an anchor investor in Anthropic's IPO, a raise of up to $100 billion at a roughly $2 trillion valuation. Sat, 12 Sep 2026 21:38:17 +0000 https://payney.com/blog/nvidia-weighs-10b-anchor-stake-in-anthropics-2t-ipo/ investing https://payney.com/blog/revolut-breach-exposed-14-data-types-including-bitcoin-logs/ Revolut gave passports, selfies and full Bitcoin transaction histories to a fake government request; 14 data types listed, affected count still undisclosed. Sat, 12 Sep 2026 21:38:10 +0000 https://payney.com/blog/revolut-breach-exposed-14-data-types-including-bitcoin-logs/ fintech https://payney.com/blog/trumps-fed-ultimatum-meets-66-odds-of-a-rate-hike/ Trump threatened to halt trade with deficit countries unless the Fed cuts. Markets instead priced a 66.1% chance of a hike at the Sept. 15-16 FOMC meeting. Sat, 12 Sep 2026 12:54:26 +0000 https://payney.com/blog/trumps-fed-ultimatum-meets-66-odds-of-a-rate-hike/ economy https://payney.com/blog/us-equity-funds-shed-3227bn-as-oil-tops-100-a-barrel/ Investors pulled a net $32.27 billion from US equity funds in the week to September 9, 2026, LSEG Lipper data showed, as Brent crude topped $100 a barrel. Sat, 12 Sep 2026 12:54:01 +0000 https://payney.com/blog/us-equity-funds-shed-3227bn-as-oil-tops-100-a-barrel/ markets https://payney.com/blog/ge-aerospaces-1175b-cpp-deal-what-investors-know/ GE Aerospace is paying $11.75 billion for castings maker CPP, about 18x 2027 EBITDA including synergies. The figures, the risks and what is still unknown. Sat, 12 Sep 2026 11:14:03 +0000 https://payney.com/blog/ge-aerospaces-1175b-cpp-deal-what-investors-know/ investing https://payney.com/blog/cpi-34-oil-slips-under-100-oracle-revenue-up-30/ U.S. CPI rose 3.4% in the year to August, WTI crude slid to $99.87 a barrel and Oracle booked $19.3 billion of quarterly revenue days before the Fed meets. Sat, 12 Sep 2026 11:13:48 +0000 https://payney.com/blog/cpi-34-oil-slips-under-100-oracle-revenue-up-30/ markets https://payney.com/blog/global-equity-funds-shed-1552bn-as-brent-tops-100/ Investors pulled a net $15.52bn from global equity funds in the week to Sept 9, LSEG Lipper data show; US funds alone lost $32.27bn as Brent topped $100. Sat, 12 Sep 2026 11:13:39 +0000 https://payney.com/blog/global-equity-funds-shed-1552bn-as-brent-tops-100/ markets https://payney.com/blog/bitcoin-sell-side-risk-falls-to-7-bps-lowest-in-a-year/ Glassnode says Bitcoin's sell-side risk fell to 7 basis points a day from 16 in August, while US spot ETFs have closed below $86K break-even 228 sessions. Fri, 11 Sep 2026 23:17:24 +0000 https://payney.com/blog/bitcoin-sell-side-risk-falls-to-7-bps-lowest-in-a-year/ crypto https://payney.com/blog/coinbase-moov-put-stablecoins-in-1000-community-banks/ Coinbase and Moov are adding stablecoin payments to more than 1,000 US community banks and credit unions. How many have activated it is not yet disclosed. Fri, 11 Sep 2026 23:17:14 +0000 https://payney.com/blog/coinbase-moov-put-stablecoins-in-1000-community-banks/ fintech