Blockchain
Carpe Diem launches a New Pension Model on the Blockchain
On January 1st, 2024, Carpe Diem Pension came to life. This is a new way to build an alternative pension without the need for intermediates (banks & pension funds). It operates autonomously through the CDP token on the Pulse blockchain.
People build up their pension collateral by making a monthly deposit in CDP. The accrued collateral is bound to their accounts and cannot be withdrawn. This permanent collateral cannot be touched by anyone, meaning that it cannot be used by the program to pay out others, or to gamble on investments. At the time of writing, the yearly payout percentage is about 9%. This is paid from the yearly inflation rate of 4.32%. As not all CDP is locked, the payout percentage is higher than the inflation rate. There’s no need for a company to make profits or for new people entering the system to pay out users.
Besides being based on blockchain technology, Carpe Diem Pension invented a brand-new model for handling deposits and payouts in a robust and sustainable manner.
Robust
The program cannot be changed and runs on a giant and transparent blockchain network. This results in more resilience, predictability, and credibility.
Fair
A blockchain account is needed to participate. This account isn’t tied to personal details. Therefore, it is impossible for the program to discriminate certain groups or individuals. Every blockchain account is treated equally in the program.
Safe
Deposits in CDP aren’t going anywhere. They are locked forever and can’t be touched by anyone. This means that it cannot be used to pay out other users, nor can it be used to make investments where you have little to no influence over.
Sustainable
The program pays out through the creation of new CDP tokens. The inflation is 4.32% a year and all of it is distributed as payout to users.
No Minimum Age
Users decide themselves at what age they retire. By making a monthly deposit, they increase their pension collateral, which generates a pay out, effective immediately. When users are content with the height of this pay out, they can decide to retire. A larger monthly deposit means that it is possible to retire earlier.
Retire Wealthy
It is possible to retire with a higher pension income than your initial income. Work hard, retire wealthy.
Multi-generational
Pension incomes can be multi-generational. Hand the blockchain account over to family, and they receive your built-up pension income.
Unique referral program
For people involved in affiliate marketing, Carpe Diem Pension might be very interesting. First, let’s outline the current situation: An income can be generated through affiliate marketing by making sales for companies. For example, one can refer people to buy a lava lamp on Amazon and get a certain percentage of the sale.
It can be quite lucrative, especially when marketers manage to attract a lot of people and keep referring to new products constantly.
However, when one stops actively referring others, the income stream decreases or even stops entirely. Often, affiliate marketing is described as a way to generate a passive income, but in reality, it often isn’t “passive”.
Bottom line: each sale grants you a direct sales cut.
With the referral program of Carpe Diem Pension, marketers do not receive a direct sales cut, but instead are awarded with Pension shares. One share acts the same as one CDP token deposited by users: it generates a permanent passive payout. Marketers receive 10% in shares of the CDP tokens deposited through their link.
Marketers increase their pension payout by making more sales. When they halt their affiliate business, they receive their built-up pension payout forever.
CDP as a hybrid investment and pension fund
Pension operations, such as deposit and payout, work through the CDP token. This token is traded on the open market, and can therefore fluctuate in price against the Dollar/Euro/etc.. If the price in Dollars goes up over time, the collateral in Dollars goes up as well. This has a direct effect on the payout.
When people buy and deposit CDP forever, it reduces supply and increases demand. Usually, this results in the price going up. When people start their retirement, the payout is just a small percentage each month, which means that there isn’t a huge immediate boost of supply.
It should be noted that investing in cryptocurrencies isn’t without risk. However, trusting traditional pension funds isn’t without risk either. One can mitigate risk through diversification.
Silvan Liklikuwata, the Founder of Carpe Diem Pension, said: “My personal goal is to work hard, and save 40% of my income for retirement (half of it through Carpe Diem Pension), so I can become financially independent and retire early when I am still full of life. As a musician, I want to have the ability to go into the swiss alps and get inspirations for my art and compositions. Not having to worry about an income frees my mind, so I can really contribute to the world.”
How to start
Start building your Carpe Diem Pension today. Visit Carpe Diem.
The post Carpe Diem launches a New Pension Model on the Blockchain appeared first on HIPTHER Alerts.
Blockchain
Blocks & Headlines: Today in Blockchain – April 25, 2025 | BitNile, Dutch Blockchain Week, Citigroup, Philippine Blockchain Week, D.O.G.E Foundation
Blockchain’s metamorphosis from niche ledger technology to the backbone of Web3 has never been more evident. Today, we cover five stories that illustrate the evolving ecosystem: a gaming platform issuing its own token on Solana; Europe’s marquee Web3 summit; a major bank forecasting a “ChatGPT moment” for blockchain; a Southeast Asian conference aimed at busting crypto myths; and a foundation rebuilding blockchain from the ground up to solve scalability. Each development—whether product launch, industry gathering, macro forecast, educational initiative, or infrastructure innovation—offers a window into the trends shaping decentralized finance, NFTs, DeFi, and beyond.
1. BitNile.com to Launch Nile Coin on Solana
News Summary
Hyperscale Data’s subsidiary BitNile.com will introduce the Nile Coin on Solana starting May 1, 2025. The U.S.–based social gaming site chose Solana for its high throughput and low fees, aiming to enhance in-game economies, reward engagement, and deliver seamless micro-transactions. Details on tokenomics and governance are forthcoming, but management touts Nile Coin as a cornerstone of future gaming experiences.
Source: CoinTrus
Analysis & Commentary
Launching a proprietary token underscores two converging trends: the gamification of finance and finance-ification of gaming. By minting Nile Coin, BitNile.com taps into DeFi mechanics—staking, liquidity pools, NFT rewards—while leveraging Solana’s scalability. Strategically, BitNile.com positions itself for partnerships with NFT marketplaces and DeFi protocols, potentially opening secondary markets for in-game assets and generating new revenue streams beyond ad sales or subscription fees.
2. Dutch Blockchain Week 2025 Gears Up in Amsterdam
News Summary
From May 19–25, Amsterdam will host the sixth annual Dutch Blockchain Week, culminating in the two-day summit (May 21–22) at De Meervaart. Tier 1 exchanges (Bitvavo, Kraken, Coinbase), Web3 pioneers (WOW.ai, Blockrise), regulators (European Commission, De Nederlandsche Bank), and industry partners (Mastercard, Deloitte) will convene. Side events range from AI-powered hackathons tackling compliance to padel networking meetups—underscoring the event’s blend of technology, policy, and community.
Source: Dutch Blockchain Week
Analysis & Commentary
Dutch Blockchain Week typifies the maturation of blockchain conferences into multidisciplinary forums. Beyond token talk and yield farming, panels on regulation, institutional adoption, and security reflect Web3’s integration into mainstream finance. Anticipate announcements on CBDC pilots, DeFi compliance frameworks, and cross-chain interoperability projects that may emerge from the Block & Order Hackathon.
3. Citigroup Predicts Blockchain’s “ChatGPT Moment”
News Summary
In an April 23 report, Citigroup analysts argue that 2025 could be blockchain’s “ChatGPT moment,” driven by regulatory clarity around stablecoins and integration with traditional financial systems. They forecast stablecoin market capitalization ballooning to $1.6 trillion (base case) or as much as $3.7 trillion (bull case) by 2030—anchored by dollar-denominated issuers and collateralized with U.S. Treasuries. Regulatory frameworks like the GENIUS Act could catalyze adoption among banks and fintechs.
Source: Cointelegraph
Analysis & Commentary
Drawing parallels to generative AI’s explosive growth, Citigroup envisions a tipping point where blockchain moves from experimental to essential infrastructure. Successful integration will hinge on robust compliance tools, auditability, and clear governance models. Enterprise blockchain vendors should prepare for surging demand in tokenized payments, on-chain settlements, and embedded DeFi rails within legacy systems.
4. Philippine Blockchain Week 2025 Debunks Crypto Myths
News Summary
Scheduled for June 10–11 at SMX Convention Center Manila, Philippine Blockchain Week (PBW) 2025 will tackle misinformation and spotlight real-world use cases. Highlights include “Crypto, Unpacked” sessions demystifying the technology; “Smart Regulation” panels uniting policymakers and innovators; and “Blockchain for Impact” showcases on remittances, disaster relief, and digital identity. Founding President Donald Lim emphasizes government support and public–private collaboration to spur inclusive growth.
Source: UseTheBitcoin
Analysis & Commentary
PBW exemplifies how emerging markets leverage education to accelerate Web3 adoption responsibly. By engaging regulators early, PBW can shape balanced frameworks that encourage innovation while protecting consumers—an instructive model for markets wrestling with both hype and skepticism.
5. D.O.G.E Foundation Launches New Blockchain, Opens Seed Round
News Summary
The D.O.G.E Foundation announced a ground-up blockchain rebuild designed to solve the scalability and reliability challenges plaguing existing networks. This modular architecture separates validation from execution to enable parallel transaction processing—targeting real-time gaming, DeFi under high load, and AI-driven applications. A seed funding round is now open to investors who share the vision of a performant, decentralized infrastructure.
Source: D.O.G.E Altcoin GlobeNewswire
Analysis & Commentary
As layer-1 congestion and high gas fees persist, new entrants must justify a “why now” with clear architectural advantages. If the D.O.G.E blockchain delivers real-world throughput and maintains decentralization, it could spur a renaissance of high-performance DeFi protocols and NFT platforms hungry for cost-effective base layers.
Conclusion & Key Takeaways
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Tokenization of Entertainment: BitNile’s Nile Coin on Solana highlights blockchain’s expansion into gaming economies and NFT reward systems.
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Convergence of Tech, Policy & Community: Dutch Blockchain Week showcases Web3’s evolution into an ecosystem engaging regulators, enterprises, and developers under one roof.
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Mainstream Inflection Point: Citigroup’s “ChatGPT moment” thesis suggests blockchain is poised for exponential adoption given regulatory support.
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Education as Catalyst: Philippine Blockchain Week’s myth-busting curriculum underscores the importance of public–private dialogue in emerging markets.
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Infrastructure Innovation: The D.O.G.E Foundation’s modular, high-throughput chain exemplifies the next wave of layer-1 networks addressing real-time, real-world use cases.
Today’s stories convey that blockchain’s next chapter will be written through strategic token launches, global convenings, regulatory clarity, educational outreach, and radical infrastructure redesign. By tracking these threads, industry participants can anticipate opportunities in DeFi, NFTs, Web3 games, and enterprise integration. Stay tuned for tomorrow’s Blocks & Headlines, where we’ll continue to decode the innovations shaping decentralized finance.
The post Blocks & Headlines: Today in Blockchain – April 25, 2025 | BitNile, Dutch Blockchain Week, Citigroup, Philippine Blockchain Week, D.O.G.E Foundation appeared first on News, Events, Advertising Options.
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