by | May 23, 2025 | Business
In
an era where digital lending is rapidly expanding in the Philippines, HappyCash
stands out as a platform committed not only to growth, but to responsible
lending practices, AI Credit decisioning, and the protection of consumers’
financial well-being.
Founded
with a mission to make access to credit simple, safe, and fair, HappyCash has
served over millions of users nationwide—many of whom are first-time
borrowers from underserved communities. By focusing on affordability and
transparency, the platform ensures that every loan product aligns with the
borrower’s actual capacity to repay.
AI Credit, Backed
by Data
HappyCash
utilizes a multi-layered credit assessment model that evaluates user behavior,
income signals, device security, and more to assign customized credit limits.
Instead of offering large loan amounts indiscriminately, the platform starts
with responsible limits and gradually increases based on repayment behavior.
This
credit model allows HappyCash to maintain a healthy balance between risk
control and inclusion, enabling safe lending even to first-time borrowers with
limited financial histories.
Aligned with
Consumer Protection Principles
As a
licensed lending entity regulated by the Philippine Securities and Exchange
Commission (SSEC), HappyCash strictly adheres with the Financial Products and
Services Consumer Protection Act and the Truth in Lending Act. Its core
consumer protection measures include:
–
Clear disclosures on fees and interest rates
- No
hidden charges or pre-payment penalties
–
Friendly reminders for due dates, with grace periods
–
Accessible customer support through multiple channels
–
Strong user data protection and secure cloud infrastructure
Educating Borrowers
HappyCash
also invests in borrower education, using its mobile platform to share simple
financial literacy content. The goal is to help users borrow confidently, repay
responsibly, and improve their long-term financial capability.
Looking Ahead
As
it grows, HappyCash continues to partner with industry-leading technology,
eKYC, and payment providers to ensure that its services remain secure,
scalable, and customer-friendly. With upcoming product enhancements focused on
more personalized credit and real-time fraud detection, the platform is
committed to being a leader in ethical and sustainable lending.
by | May 23, 2025 | Business
Bitcoin has hit a new all-time high near $111,000 amid bullish technical signals like a golden cross and favorable macro trends. Discover expert insights, price forecasts, and what this rally means for the broader crypto market.
Bitcoin’s price resurgence continues and finally hit new ATH with the price hovering around $111,000 as of May 22 after crossing “golden cross” formation at $106.889.
Check out the explanation of the latest BTC prices in this article until the end.
Golden Crosses and Their Track Record
Bitcoin has previously responded positively to golden cross formations. According to analyst Benjamin Cowen, past occurrences led to 45%-60% price increases. For example:
- In October 2023, BTC surged 45% following a golden cross, buoyed by optimism surrounding spot Bitcoin ETFs.
- In September 2021, a similar crossover preceded a 50% rally.
- Following the 2024 U.S. presidential election, with Donald Trump re-elected, BTC posted a 60%+ gain, attributed in part to expected policy shifts.
However, it’s important to note that golden crosses are not infallible. In February 2020, just before the COVID-19 pandemic struck global markets, a golden cross was followed by a 62% crash—highlighting the need to consider broader economic indicators.
Current Technical Setup: Bullish but Cautious
As of mid-May 2025, Bitcoin’s 50-day SMA is trending upward and approaching a cross above the 200-day SMA. While the setup leans bullish, analysts are warning of a possible short-term correction before a full-fledged breakout.
Bitcoin’s Relative Strength Index (RSI) recently crossed above the overbought threshold of 70, often a precursor to pullbacks.
BTC could retest support levels around $115,400 to $120,000 before resuming its upward trend.
A bearish divergence between rising prices and falling RSI supports the case for a temporary dip.
Still, macro conditions appear favorable. Factors such as an expanding M2 money supply, easing U.S.-China trade tensions, and improved investor sentiment provide strong tailwinds.
Macro Tailwinds Support Bitcoin’s Ascent
Recent developments have added fuel to Bitcoin’s rally:
- President Trump has rolled back tariff threats, easing global trade tensions.
-
Traditional equity markets, like the S&P 500 and Nasdaq, have reacted positively, with BTC following suit as a risk-on asset.
-
Crypto liquidations have surged, with $233 million wiped out in the past 24 hours, over half from short positions—indicating growing upward pressure.
Other cryptocurrencies are also riding the wave. Over the past month:
- Ethereum (ETH) has climbed 58%,
-
Dogecoin (DOGE) is up 45%, and
-
Solana (SOL) has risen nearly 23%.
No Signs of a “Double Top” Reversal
Despite Bitcoin’s price hovering near its all-time high, concerns about a potential double top—a bearish reversal pattern—are being dismissed by some analysts.
Private wealth firm Swissblock Technologies notes that Bitcoin’s Fundamental Index (BFI) remains solidly neutral, showing no signs of weakening. Their on-chain analysis suggests BTC’s bullish structure is intact, with no bearish divergence to validate a major reversal.
Market Consolidation: A Healthy Pause
Bitcoin briefly dipped to $109,000 during the recent U.S. trading session but rebounded above $111,900, marking a modest daily decline amid broader profit-taking.
Market analyst Ruslan Lienkha of YouHodler describes this as a normal pullback within a medium-term uptrend, noting that anything below a 5% price fluctuation is often just “market noise.”
Kirill Kretov of CoinPanel adds that thin liquidity can exacerbate small sell-offs, making corrections appear more dramatic than they are.
Institutional Confidence Remains Strong
Analysts at K33 Research highlight that BTC recently exited a long stretch of below-neutral funding rates, suggesting a lack of speculative excess that often precedes market tops.
Meanwhile, Steno Research points to a stealth expansion of Western private credit as the true driver of the current crypto rally, not Chinese liquidity injections as previously thought. This quiet stimulus could continue supporting crypto prices through June and early July, though analysts warn that conditions may tighten again in late summer.
Forecast: New Highs Within Reach
According to network economist Timothy Peterson, historical data shows that when Bitcoin trades within 10% of its all-time high, it sets a new one 98% of the time within 50 days.
Based on this, Peterson expects BTC to hit at least $115,000 by late June, with some models projecting $125,000 or even $150,000 by the end of the summer.
Conclusion
With strong technical signals, robust macroeconomic tailwinds, and increasing institutional conviction, Bitcoin is well-positioned for a potential breakout to new all-time highs. While short-term volatility and corrections are likely, the broader outlook remains optimistic.
As Bitcoin nears the confirmation of its golden cross and inches closer to price discovery mode, traders and investors should remain attentive—but not overly reactive—to market noise, and instead focus on the evolving macro-technical landscape guiding this historic rally.
by | May 22, 2025 | Business
May 28th is Menstrual Hygiene Day, and WaterAid Australia is calling for menstrual health to be recognised as a climate justice issue. This follows new research revealing the worsening impacts of climate change on women and girls in the Pacific.
A scoping report by WaterAid Australia and The Pacific Menstrual Health Network highlights how extreme weather events, rising costs and patriarchal systems are deepening gender inequality and making it harder for women, girls and gender-diverse people to manage menstruation safely and with dignity.
Nalini Singh, Executive Director of Fiji Women’s Rights Movement and member of the Pacific Menstrual Health Network, said:
“When a cyclone hits, our needs don’t disappear — they multiply. Managing periods becomes almost impossible without access to products, privacy, or dignity. Menstrual health must be included in disaster planning and embedded in all public health and disaster risk reduction policies and laws”
Interview participants across the Pacific reported that evacuation centres often lack the privacy, safety and water, sanitation and hygiene (WASH) facilities needed to manage menstruation.
Marginalised groups, such as people living with disabilities, rural communities and LGBTQIA+ individuals, face even greater barriers during climate emergencies, including a lack of access to menstrual products, dignity kits and inclusive health services.
WaterAid Australia’s Director of Policy and Programs, Meredith Hickman, said periods don’t stop during extreme weather events, but the ability to manage them often does.
“In the Pacific, climate change is compounding existing inequalities and pushing menstrual health further down the priority list during disasters. This is a public health and human rights issue.
We need to ensure that every person who menstruates—regardless of where they live, how they identify, or their ability—can do so safely and with dignity, even in the face of the climate crisis.”
Health systems in the Pacific are already under strain, and climate disasters are making it worse. Interviewees shared that remote clinics often run out of essential supplies, forcing women to delay or skip care for menstrual pain and disorders.
“When nursing stations run out of medication, it shuts down… that’s during normal times, irrespective of whether there’s a disaster or not,” said one woman interviewed.
Despite these risks, menstrual health remains deprioritised in disaster response and climate policy. Participants noted that the government and humanitarian focus rarely extends to issues like period pain, menstrual hygiene or menopause.
Cultural and religious taboos around menstruation continue to reinforce shame and limit open conversations in communities across the Pacific. Participants described women being excluded from decision-making spaces, while also carrying the burden of caregiving during climate crises.
Despite limited policy support, grassroots and local organisations are leading efforts to raise awareness and shift harmful norms.
Community-led events and inclusive programs led by organisations of persons with disabilities (OPDs) are helping empower young women and marginalised menstruators.
WaterAid is urging governments, donors and humanitarian organisations to recognise menstrual health as essential to gender equality and climate resilience. The WASH organisation is calling for:
Menstrual health to be integrated into climate action plans and policiesSustained support for grassroots and community-led initiativesInclusive research and data collection that reflects diverse menstruators’ needsInvestment in WASH infrastructure and menstrual product access in schools and emergency settingsStigma-ending education to shift harmful norms and taboos
by | May 22, 2025 | Business
VRITIMES showcased its innovative press release platform at Terrapinn’s Solar & Storage Live Philippines 2025 in Manila, connecting clean energy businesses with media to boost their market presence.
May 19 – 20, 2025
Manila, Philippines — VRITIMES, the leading online press release distribution platform, proudly participated as an exhibitor at Solar & Storage Live Philippines, the country’s largest clean energy event held this May 2025 in Manila and organized by Terrapinn. The event served as a dynamic marketplace where thousands of industry stakeholders—including installers, distributors, project developers, policymakers, solution providers, and technology leaders—gathered to explore the rapidly expanding solar and energy storage market in the Philippines.
At the exhibition booth, VRITIMES demonstrated how its integrated press release creation, distribution, and analytics platform can empower solar and energy storage businesses to amplify their market reach. By streamlining the communication of product launches, project milestones, and industry innovations, VRITIMES helps companies connect with media partners and target audiences effectively, supporting growth in this fast-evolving energy sector.
Solar & Storage Live Philippines, organized by Terrapinn, is renowned for showcasing cutting-edge solutions across commercial, industrial, residential, and community-based solar and energy storage projects. VRITIMES’ presence at the event reinforced its commitment to facilitating valuable information flow and media engagement within one of the world’s fastest-growing clean energy markets.
“Participating in Solar & Storage Live Philippines allowed us to engage directly with key industry players seeking to elevate their brand visibility and public relations impact,” said Ronto Katsura, VRITIMES Philippines’ country manager . “Our platform is designed to help businesses in the solar and storage sector communicate their innovations and successes efficiently to the media and stakeholders, accelerating their market presence in this dynamic landscape.”
VRITIMES continues to expand its footprint across Southeast Asia, providing accessible, affordable, and data-driven press release solutions tailored to the unique needs of the clean energy industry and beyond.
For more information on VRITIMES and its services, visit https://www.vritimes.com.
by | May 22, 2025 | Business
May 15, 2025 — Manila, Philippines — Taxumo, the Philippines’ leading online tax filing platform, has officially partnered with Security Bank to empower MSMEs, freelancers, and self-employed professionals through accessible business loan offerings tailored to their needs.
This partnership combines Taxumo’s seamless digital platform with Security Bank’s trusted financial expertise, giving business owners direct access to customized loan options—all within a few clicks. Whether you’re expanding your operations, purchasing equipment, or stabilizing cash flow, the loan solutions available through this collaboration are built to help you take your business to the next level.
“We’re thrilled to bring this partnership to life,” said by CEO Ginger Arboleda of Taxumo, “Our mission has always been to simplify compliance and empower entrepreneurs. With Security Bank on board, we’re now adding accessible financial support into that equation—giving our users even more tools to grow confidently.”
Security Bank’s unique loan products include:
– Business Express Loan: a fast, unsecured option ideal for short-term needs such as equipment purchases, office space expansion, or daily operations.
– Business Mortgage Loan: a secured solution built for long-term growth investments.
– Business Working Capital Loan: a flexible line for everyday business demands.
Taxumo subscribers enjoy exclusive benefits such as preferential interest rates and a simplified application process via the Taxumo Loans Marketplace. From checking eligibility to booking a consultation with Security Bank, the process is designed to be easy, fast, and transparent.
This partnership isn’t just a feature—it’s a value-added service built for your success. We’ve teamed up with Security Bank to bring real solutions to real business challenges.
Take advantage of the streamlined loan application process to grow your business with ease and confidence. With tools you already trust—like Taxumo—getting funding is now more accessible than ever.
To learn more about the Security Bank loan offers available to Taxumo subscribers, follow Taxumo on Facebook, Instagram, and TikTok.
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