DeFi For You

14/08/2025

The g 7 nations should take a look at how well run Vietnam is and implement some of their policies IMHO

Why I’m Proud to Live in Vietnam — A Model Worth Watching

1. Remarkable Economic Growth

Vietnam’s economy grew by 7.09% in 2024, outperforming most G7 nations, whose average growth hovers around 1.5%.
Quarterly gains have steadily risen—5.98% in Q1, 7.25% in Q2, 7.43% in Q3, and a robust 7.55% in Q4—showing real accountability in economic performance.
This growth was driven by strong gains in services (49%), industry & construction (45%), and agriculture (5%). Labor productivity also rose, and inflation was kept under control (3.6%)—a testament to disciplined economic management.
  

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2. Smart Government That Delivers

Unlike many democracies where election promises go unfulfilled, Vietnam has consistently exceeded its own targets and met all socioeconomic goals in 2024—without street-level chaos or political grandstanding.
Healthcare coverage is more than 93%, with the state covering poor families, children under 6, the elderly, and ethnic minorities in full.


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3. Bamboo Diplomacy — Balanced and Pragmatic

Vietnam’s foreign policy rests on balance and resilience. Called “bamboo diplomacy,” it means staying flexible, independent, and diplomatically rooted—like the bamboo.
This approach has produced historic diplomatic upgrades:
• A Comprehensive Strategic Partnership with the U.S. in 2023 (skipping the usual “strategic” tier).
• Strong engagement with China, Russia, Europe, and ASEAN partners.
• Invitations from global leaders like Biden, Xi, and Putin—without picking sides.
 

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4. Modern Infrastructure with Long-Term Vision
• The government is investing in massive infrastructure projects, including a high-value rail link to China, nuclear power plants, and satellite internet access via Starlink.
• Ambitions include reaching 8% growth in 2025, cutting red tape, and streamlining governance.


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5. Peace, Unity, and Prosperity

On the 50th anniversary of the war’s end, Vietnam centered its celebrations on peace, unity, and reconciliation—not victory or division.
Today, Vietnam stands as a committed global partner, balancing historic alliances with modern partnerships.
 

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Why This Matters
• Unlike many G7 countries tangled in political posturing and broken promises, Vietnam consistently delivers results.
• It blends market dynamism with social responsibility, offering a rare model of capitalist efficiency and public care.
• It stays strategically independent, rising as a globally respected middle power with strong infrastructure and high international trust.

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In short: Vietnam isn’t perfect—but it’s a model of stability, efficiency, caring governance, and consistent delivery. As someone who’s lived here, I can confidently say: I feel safe, valued, and truly blessed.

13/08/2025

I will be offline for a few hours so all messages will be answered by tomorrow. Got great news for you all to come . A winner never stops till we cross the line.

10/08/2025

Vietnam — Where Winners Thrive

I’ve lived all over the world, but Vietnam is different. Safe, welcoming, and full of opportunity, it rewards hard work, not excuses. Here, people have moved past the war and are building a future with pride. Da Nang offers world-class living at a fraction of the cost, with warmth, culture, and ambition everywhere you look. This country has changed my mindset, my family’s future, and my heart. If you’re ready to add value, work hard, and be part of something special — Vietnam is waiting.

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I can also give you a sharper, almost advertising-style hook that could go viral. Want me to craft that?

21/07/2025

Banking in Asia is going through some big changes.

Southeast Asian Banks: Rethinking Financial Strategies and Lending Capacity in a Transforming Economy

Date: July 2025
Prepared by: [CEO for DFY ]

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Executive Summary

Southeast Asia, with its vibrant economies and youthful population, stands at a pivotal financial crossroads. Amid rising inflation, global de-dollarization, digital disruption, and post-pandemic recovery, banks across the region are rethinking traditional financial strategies. Loan books are being restructured, digital lending models are accelerating, and capital buffers are being reassessed. This white paper outlines how Southeast Asian banks are adapting their financial frameworks, revising their lending abilities, and redefining risk in a rapidly changing macroeconomic environment.

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1. Macroeconomic Landscape

1.1 Post-Pandemic Recovery
• GDP growth across ASEAN nations rebounded after 2022, with Vietnam, the Philippines, and Indonesia leading.
• Consumer spending and infrastructure investments are strong, yet fiscal deficits and foreign debt remain areas of concern.

1.2 Inflation & Interest Rates
• Persistent inflation has forced central banks like Bank Indonesia and Bangko Sentral ng Pilipinas to hike interest rates.
• Borrowing costs are higher, impacting both consumer and SME loans.

1.3 Global De-dollarization
• Central banks are diversifying reserves away from USD.
• Some Southeast Asian countries are engaging in bilateral trade using local currencies (e.g., IDR-VND, THB-MYR).

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2. Rethinking Financial Planning in Southeast Asia

2.1 Capital Adequacy and Liquidity Buffers
• Banks are increasing Tier-1 capital in anticipation of more stringent Basel IV requirements.
• There’s a push for higher liquidity coverage ratios (LCR), especially in cross-border banks.

2.2 Rebalancing Loan Portfolios
• Traditional heavy exposure to real estate and large conglomerates is being diversified.
• Greater allocation to sustainable finance, agriculture, green infrastructure, and SME innovation hubs.

2.3 Digital Banking Transformation
• Rise of digital-first banks (e.g., Tonik in the Philippines, Timo in Vietnam).
• AI-powered credit scoring models for underbanked segments.
• Strategic alliances with fintech startups for embedded finance solutions.

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3. Lending Capacity: Constraints and Opportunities

3.1 Constraints
• Credit Risk Exposure: High-risk consumer debt and SME defaults post-COVID have made banks cautious.
• Regulatory Tightening: Stricter provisioning requirements and updated loan-to-value (LTV) ratios.
• NPL Pressure: Although declining, Non-Performing Loans (NPLs) remain above pre-pandemic levels in some economies.

3.2 Opportunities
• Green Loans & ESG-Linked Lending: Banks are incentivized to provide loans aligned with ESG metrics and sustainability goals.
• Cross-border Financing: Improved integration under ASEAN Banking Integration Framework (ABIF).
• Tokenized Assets & Collateral: Banks are exploring asset tokenization (real estate, carbon credits) as new collateral options.

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4. New Lending Models in Practice

Case Study 1: Vietnam
• Banks like Vietcombank and Techcombank are increasing unsecured SME lending via digital risk models.
• Government support for rural credit and export-focused businesses has prompted tailored loan programs.

Case Study 2: Philippines
• BDO and UnionBank expanding Buy Now Pay Later (BNPL) and digital installment loans.
• Rural banks partnering with fintechs for microloans to gig economy workers.

Case Study 3: Thailand
• Kasikornbank using AI underwriting for precision lending.
• Strong push into green energy project financing.

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5. Strategic Recommendations
1. Adopt AI-driven Risk Scoring
• Especially for MSMEs, informal workers, and low-income borrowers.
2. Strengthen Public-Private Ecosystems
• Collaborate with governments and fintechs to serve underbanked populations and support development goals.
3. Focus on ESG Integration
• Position banks as sustainability leaders in Asia-Pacific financing.
4. Enhance FX and Cross-border Lending Infrastructure
• Promote local currency loans and stablecoin-backed international transfers.
5. Build Tokenized Collateral Models
• Introduce regulated frameworks for asset-backed NFTs and blockchain validation.

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Conclusion

Southeast Asian banks are no longer just reacting to change—they are shaping it. From digital innovation to sustainable finance and currency diversification, the financial institutions that embrace agility, transparency, and intelligent risk-taking will define the next decade of regional growth. The rethinking of financial plans and lending capacity is not just about stability—it’s about building a future-ready banking system for 700+ million Southeast Asians.

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Appendix
• ASEAN 2024 Lending Statistics
• Top 10 Fintech Collaborations in Southeast Asia
• Comparative NPL Ratios by Country
• Basel IV Implementation Timeline by Market

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20/07/2025

Will be there to see and answer any questions ref DFY and www.digitalassetvault.ai

20/07/2025

Certainly. Here’s a clear explanation in English of why holding assets in land and property is a much better way of preserving and potentially growing wealth compared to fiat currency — especially in light of the massive overprinting of money over the last four years:

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🏠 Why Land & Property Are Safer Stores of Wealth Than Fiat Currency

🔍 Context: The Problem with Fiat Currency
• Fiat currency (like USD, EUR, GBP, etc.) is government-issued money not backed by a physical commodity like gold.
• Over the last four years (especially since COVID-19), central banks around the world printed trillions in new currency to stimulate their economies.
• This has flooded the global financial system with excess money, leading to:
• High inflation – prices of goods, services, and assets increased rapidly.
• Currency devaluation – the real purchasing power of money dropped.
• Erosion of savings – money sitting in bank accounts is now worth less in real terms.

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🏡 Why Land & Property Protect You

✅ 1. Tangible, Finite Assets
• Land and real estate are physical, real-world assets.
• There is a finite amount of land, especially in desirable areas (e.g. beachfront, urban centers).
• You can’t print more land – this scarcity protects its value over time.

✅ 2. Inflation Hedge
• When inflation rises, so do property values and rental incomes.
• Real estate keeps pace with or exceeds inflation, helping you preserve buying power.

✅ 3. Income Generation
• Property can generate passive income through:
• Residential or commercial rent
• Short-term vacation rentals (Airbnb-style)
• This cash flow offsets inflation and grows wealth.

✅ 4. Leverage & Appreciation
• Real estate is often purchased with leverage (mortgages), allowing control of a large asset with a smaller initial investment.
• As property appreciates, your return on equity can grow faster than inflation or fiat-based savings.

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💸 Fiat Currency: What Happens When You Just Hold Cash
• 2020–2024 example: A dollar or pound saved in 2020 might now buy 10–25% less.
• Central banks cannot stop printing without crashing economies.
• Even “safe” savings accounts rarely keep up with real inflation.
• Holding large cash balances means you’re losing value daily.

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📈 Bottom Line: Wealth Preservation & Growth
Category
Fiat Currency
Land & Property
Supply
Unlimited (printable)
Finite
Inflation Protection
❌ Loses value
✅ Gains value
Income Yield
❌ Low or none
✅ Rent, leasing
Volatility
✅ Can fluctuate wildly
❌ More stable
Long-Term Growth
❌ Weak
✅ Strong historical R


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🧠 Final Thought

By holding wealth in land and real estate, you’re choosing scarcity, utility, and tangible value over the uncertain, inflation-prone nature of fiat. You’re not just protecting your wealth — you’re giving it the opportunity to grow safely in an unpredictable global economy.

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20/07/2025

🌴 Panoramic Sea View Condos – Kata Hillside, Phuket

📍 Elevated hillside location just minutes from Kata Beach
⛱️ Walk to restaurants, shops, and the sand
🌇 Uninterrupted sunset views over the Andaman Sea

🏢 Project Highlights

✅ Boutique low-rise development with sea, mountain, and west-facing views

✅ Rooftop infinity pool & sun deck

✅ Gym, private parking & 24/7 security

✅ Foreign Freehold & Leasehold available

✅ Completion expected 2025

🔑 Cheapest Available Unit
💰 THB 6,144,174 (Leasehold)
📐 49.47 sqm | 1 Bedroom / 1 Bathroom
🪟 West-facing unit on the 2nd floor (Units 201–203)
🛋️ Spacious layout with private balcony
💡 Great entry-level price for Kata’s prime location

🌊 Best Sea View Unit Available
💰 THB 10,389,060.25
📐 66 sqm | 2 Bedroom / 1 Bathroom
📍 6th Floor, Unit 607 – Full Sea View
🛁 Generous open-plan living, balcony with sweeping ocean views
🏖️ Ideal for luxury living or high-end rental returns

💼 Investment Potential

Walk-to-everything location with long-term capital upside

High demand for Kata sea view rentals

Units across multiple floors and budgets available

📲 For full list & VIP viewings:
Call or WhatsApp +66 626 433 594

20/07/2025

🌅 Layan 3-Bedroom Sea View Pool Residence
💰 Price 29.9 m THB | 272 sqm | Protected Leasehold (BVI Structure)
✅ 3 Ensuite Bedrooms – Spacious master with vaulted ceiling
✅ Private 11.5m Infinity Pool – West-facing with sea & sunset views
✅ Open-Plan Living – Seamless indoor-outdoor design
✅ Fully Furnished – Move-in ready with Western kitchen
✅ Spa-Style Bathrooms – Sculpted tub + twin rain showers
✅ High-End Finishes – Hardwood floors, ceramic tiles, AC & ceiling fans
✅ Built by Veteran Developer – 25+ years’ experience in Phuket
✅ Covered Parking + Elevator Access
✅ Exclusive Development – Only 18 units total
✅ Strong Rental Potential – On-site management available
📍 Hillside Location Above Layan Beach
Peaceful, elevated setting with panoramic views — ideal for luxury living, holidays, or investment.
Tel: +66 626 433 594

20/07/2025

🔥 Fully Renovated Luxury Pool Villa – Prime Rawai Location
📍 Walkable to Shops, Cafés, and the Beach
💰 Asking Price: 36M THB
📞 Tel/WhatsApp: +66 626 433 594

A Rare Opportunity in the Heart of Rawai
This exceptional 4-bedroom, 6-bathroom villa has been completely rebuilt from the ground up—offering uncompromising quality, modern luxury, and unbeatable convenience. Whether for personal use or investment, this villa ticks every box.

🏡 Property Overview
Land Area: 858 sqm

Built-Up Area: 583 sqm

Interior Living: 330 sqm

Covered Outdoor Kitchen: 52 sqm

Fully Furnished & Move-In Ready

✨ Luxury Features
✅ Private Pool (12m x 6m) with whirlpool bath, tanning ledge & outdoor shower

✅ All Bedrooms Ensuite – with pool-facing views for a serene atmosphere

✅ Premium European Kitchen – full appliance suite + large island seating 8

✅ Main Living Area: 85 sqm open-plan lounge

✅ Second Lounge / Office / Media Room: 60 sqm flexible space

✅ Covered Parking for up to 6 Vehicles

💎 Why This Villa is a Standout
Completely rebuilt with no expense spared

Located in Rawai’s most walkable neighborhood

Designer finishes and tasteful interiors throughout

Turnkey investment – ready to live in or rent out immediately

Perfect for families, expats, or investors seeking quality and privacy

📞 Private Viewings Available by Appointment
Tel/WhatsApp: +66 626 433 594

20/07/2025

🏡 Elegant 3-Bedroom Villa for Sale – Layan, Phuket
THB 22,000,000 | Direct from Owner | Ready to Move In
📞 Tel: +66 626 433 594
Ref: B2781

Property Highlights:

✅ 3 Bedrooms | 4 Bathrooms

✅ Land Size: 242 m²

✅ Built-up Area: 265 m²

✅ Open Mountain Views

✅ Italian Designer Furniture Package Included

✅ Bright, Spacious Living Area

✅ Modern Western-Style Kitchen

✅ Private Swimming Pool with Outdoor Shower

✅ Multiple Terraces and Balconies for Outdoor Living

✅ Dedicated Storage Area

✅ Covered Parking for 2 Cars

📍 Prime Location – Just 2 Minutes to Layan Beach

This stylish villa blends contemporary comfort with refined European aesthetics. Whether you're seeking a tranquil full-time residence or a high-end holiday home, this move-in-ready property offers exceptional value in one of Phuket’s most desirable beachside locations.

20/07/2025

✨ Exclusive 2‑Bedroom Residence — Only ฿11.28 Million
Size & Layout: Spacious 65.26 sqm layout, offering 2 bedrooms and 2 bathrooms—perfect for a small family, couple, or savvy investor.
FazWaz
+2
homes-thailand.com
+2
Keller Henson
+2

Value & Pricing: At just ฿11.28 million (≈฿173,000/sqm), this is the most affordable luxury opportunity in the development—and fully qualifies for foreign freehold ownership.

Premium Features: Comes with high-end finishes including fitted furniture, air-conditioning, curtains—as well as private duplex layout, terrace, and pool view.
Thailand Property
+Waz
+5
phuketbuyhouse.com
+5

Resort‑Style Amenities: Residents enjoy 6‑floor modern living plus full access to a communal pool, gym, sauna, spa, mini-theatre, 24‑hour security, concierge services, yoga/music rooms, indoor games, and lush landscaped gardens.

Prime Location: Just 200 m from Surin Beach—think fine white sand and turquoise waters right at your doorstep.
Developer & Timeline: Crafted by Chardonnay Co., Ltd, scheduled for completion in Q3 2026.

📞 Interested? Call or WhatsApp me now at +66 626 433 594 to seal the best deal on this beautifully priced unit.

Finest villas, houses and condo apartments for sale and for rent in Phuket. We provide the best holiday and long term villa rentals. As a certified Phuket Real Estate Agency we have the most extensive choice of Apartments, Condos, Luxury Villas, Houses and other properties for sale in Phuket. Provid...

20/07/2025

Premium Freehold Condominiums in the Private Grand Avenue District
Phuket’s most anticipated vertical villa residence – by one of Thailand’s leading luxury developers.

🏗 Project Overview
🔹 Freehold Available (+ THB 10,000 per m² premium)

🔹 Completion: Q1 2027 — Already 48% Sold

🔹 Set within the exclusive 285,000 m² Grand Avenue by Botanica, featuring:

5 luxury villa compounds

Private lake & landscaped parks

Tennis courts, sports centers

“The Iconic” Clubhouse: restaurant, coworking, lounge & more

💰 Unit Prices (Fully Furnished | Premium Kitchens & Appliances | Bathtubs in All Types)
1 Bedroom (55+ m²) – From THB 10.8M

2 Bedroom (85+ m²) – From THB 16.7M

3 Bedroom (123+ m²) – From THB 27M (Some units include 2 car spaces & pool access)

3 Bedroom Duplex (398 m² total | 215+ m² internal) – From THB 55.9M

4 Bedroom Penthouse (680+ m²) – From THB 165M

🎁 Special Offers (Limited Availability)
✅ 6% Guaranteed Yield for 2 Years on 3-bed Leasehold units – THB 22.9M

✅ 1-Bed 2nd Floor Unit – THB 9.9M

Includes: maintenance for 1 year, dishwasher, utility meters

✅ 3-Bedroom Pool Access Unit + 2-Car Garage

From THB 37.6M (Save THB 3.3M) + Freehold included (Only 4 units)

✅ 3-Bedroom Duplex – From THB 49.9M (Save THB 6.1M) + Freehold included (Only 3 units)

✅ Flagship 4-Bedroom Penthouse – THB 156M (Save THB 21M)

All fees paid: transfer fees, 1-year maintenance, sinking fund, meters, full furniture

✅ Low Density: 276 units on 35,000 m² | Entire Grand Avenue