Rachel Kingsley covers cryptocurrency and fintech for Zovora Trends. Based in Berlin, she tracks the evolving landscape of digital money — from Bitcoin and Ethereum to DeFi protocols, stablecoins, and central bank digital currencies. Rachel writes for people who want to understand crypto without the tribal warfare, covering both the genuine innovation and the genuine risks.
Palmer Luckey, the founder of Oculus, has launched Erebor Bank — a financial institution built specifically for crypto clients — with a massive $635 million seed round.
4.3 million young adults downloaded friendship apps in 2025, spending $16 million in the process, as nearly 40% of Americans experience moderate-to-severe loneliness. While apps promise quick connections, they work best as tools for repeated interactions over time, though the average $250 monthly social spending creates its own financial strain that may undermine long-term stability.