Курс TypeAITYPE

This day could be a turning point for the war in Ukraine. While Vladimir Putin and Donald Trump are set to talk over the phone, each is preparing their ground. If Trump juggles between diplomatic flattery and supplying arms to Zelensky, Putin is playing a different card: that of the economy. He has just allowed certain Western investors to sell their frozen Russian securities, a decision that could disrupt the international financial market. While a war between Trump and Putin seemed imaginable, to everyone’s surprise, the master of the Kremlin has signed a decree allowing Western funds Franklin Templeton, Jane Street, and GMO to sell their Russian securities blocked since 2022. This is the first since the beginning of the conflict in Ukraine. However, these transactions will not be direct: they must go through an intermediary, the New York hedge fund 683 Capital Partners, before being repurchased by Russian entities close to power. Why such a financial arrangement ? Two hypotheses: to protect Western sellers from sanctions and to ensure a generous commission for the intermediary. The securities involved represent 500 billion rubles (6.4 billion dollars), held in “type-C” accounts, frozen since March 2023. These accounts, established by the Russian government, allow for foreign funds to be kept under strict control, preventing any withdrawal without the Kremlin’s approval. This decision, seemingly innocuous, fits into a broader context. On one hand, it allows Russia to control the repatriation of these assets while offering investors a regulated exit. On the other hand, it comes at a strategic moment, just before the call with Trump. The Kremlin seeks to reposition itself on the global economic chessboard, sending a signal of openness to international markets. But does this sudden generosity hide a more calculated maneuver? The call between Putin and Trump could well be a diplomatic turning point. Officially, the discussion is about a ceasefire in Ukraine. In reality, the discussion seems to go well beyond that. Trump has already hinted that Ukraine might have to give up some strategic regions to achieve peace. We will talk about land, power plants… Many things are already being discussed. But Putin does not give anything away without a counterparty. His main demand? The immediate stop to U.S. military supplies to Kiev. A request that divides Washington and worries Europeans. Some fear that it would allow Moscow to rearm in peace. In the meantime, Trump is trying to negotiate by putting on the table a temporary freeze on Ukraine’s NATO membership. The ongoing negotiations raise several questions: Is Trump willing to trade Ukrainian sovereignty for a tacit pact with the Kremlin? What advantages does he hope to gain from this agreement for the United States? And above all, does Trump’s word have any value? As one user tweeted: Any ceasefire agreement negotiated by Trump is not worth the paper it is written on. Just ask the Palestinians. The shadow of a geopolitical bargaining looms over these negotiations. While these negotiations occupy the diplomatic spheres, the Russian economy is faltering and facing major challenges. While the Kremlin presents a facade of optimism, several indicators show increasing fragility. The industrial sector is particularly affected by rising interest rates, which reached a peak of 21% in 2024. A situation that puts pressure on many companies already weakened by international sanctions. These figures do not deceive. Yet, Russian banks do not seem alarmed. According to economist Sergei Skatov , “if the situation were as catastrophic, they would have had to build up additional reserves to cover losses.” In other words, the Kremlin may have more room to maneuver than it appears. But for how long? The government is relying on subsidies and nationalizations to avoid a wave of bankruptcies, but these solutions have their limits. If financial pressure increases and access to markets tightens further, Russia may have to choose between stabilizing its economy and continuing the war effort. The situation therefore becomes a real test of the resilience of the Russian economic model under sanctions. As Putin and Trump prepare to discuss a ceasefire, another battle is playing out behind the scenes: that of controlling investments and financial stability. One thing is certain: Putin supports bitcoin, but there is no question of him following Trump in his idea of making it a national reserve.

Buying real estate without a significant down payment is an increasingly difficult challenge, especially for first-time buyers. While mortgage rates continue to exceed 3%, and new property prices remain high despite the crisis, the government is expanding access criteria for the zero-interest loan (PTZ) starting April 1st, 2025. A new development that relates to two lesser-known schemes, allowing for the purchase of a home at a lower cost and spreading out its acquisition. In a context where the lack of personal contribution hinders many households, co-acquisition could be an effective solution. This scheme, already tested by Crédit Mutuel Arkéa with its Duoprimo program, allows the buyer to fund a majority share of their property, while the bank covers up to 10% of the price. Such financial support stretches over a maximum duration of 10 years, after which the buyer repurchases the share held by the bank and becomes 100% owner of their home. From April 1st, this acquisition method can be financed through the PTZ, thereby facilitating access to housing for first-time buyers struggling to gather sufficient funds. How does co-acquisition work with PTZ? The government’s stated objective is clear: to reduce the financial barrier to homeownership. During the Mipim real estate fair, the Minister of Housing, Valérie Létard, justified this measure and explained that “the priority is to support households struggling with the current market conditions.” The integration of co-acquisition into the PTZ could indeed encourage more households to take the leap, providing them with a secure and gradual framework to finance their real estate project. The other alternative now eligible for PTZ is real estate dismemberment. This approach is similar to automobile leasing. The model is based on a simple principle: an investment fund buys a new property and then sells 50% to the buyer for a period of 25 years. Thus, the buyer only finances half of the total price, significantly reducing their initial debt. During this period, they have an option to purchase which allows them to regain full ownership when their financial situation permits. This solution, notably supported by the startup Neoproprio, offers a flexible and reassuring framework, with a usage right guaranteed by a notarial contract. The addition of this scheme within the PTZ framework opens new perspectives for households wishing to invest progressively. Through this type of financing arrangement, the government hopes to revive real estate buying in a market that is slowing down. However, these new mechanisms also raise questions about their actual accessibility: what will be the demand from banks? Will there be enough developers to offer these formulas? This decree, which specifies the income ceilings and financing quotas for the expanded PTZ, is expected within the next fifteen days, and should provide more clarity on the exact conditions for implementation. Such developments could mark a turning point for first-time buyers. With solutions tailored to current budgetary constraints , the government aims for a more gradual and inclusive approach to homeownership. It remains to be seen whether these schemes will appeal to banks and developers, and above all, if households seeking housing will take advantage of them.

AMOUNT: NGN 1,600,000.00 BENEFICIARY NAME: KINGSLEY CHIGOZIE CHIGOZIE EHIRIODO DATE: Sunday, 16 March 2025, 12:35 PM TRANSACTION TYPE: other-local-banks SENDER NAME: Nkemdirim Precious Raphael BENEFICIARY ACCOUNT: 7036017162 DESTINATION BANK: PALMPAY BANK

REX Shares has launched the REX Bitcoin Corporate Treasury Convertible Bond ETF. This will be a fund that invests in convertible bonds issued by companies that hold Bitcoin ( BTC ) in their corporate treasury, according to a company release. Convertible bonds are a type of debt that can be converted into company shares under certain conditions. Some companies use these bonds to raise money and buy Bitcoin for their balance sheets. The strategy gained attention after Michael Saylor, now Chairman of Strategy (formerly MicroStrategy ), used it to accumulate Bitcoin. BMAX simplifies access to this investment approach by packaging these bonds into an exchange-traded fund. ETFs allow investors to buy a basket of assets in one trade, similar to stocks. Instead of purchasing individual convertible bonds, investors can buy shares of BMAX to gain exposure to companies using this method. “BMAX is the first ETF giving retail investors and investment advisors access to convertible bonds issued by companies integrating Bitcoin into their financial strategy,” said Greg King, CEO of REX Financial. The fund focuses on companies like Strategy, which has issued multiple Bitcoin-backed convertible bonds. Investors in BMAX gain exposure to both the debt and potential equity upside of these companies while avoiding direct Bitcoin ownership. This provides an alternative way to engage with Bitcoin-linked investments without holding the asset itself. BMAX offers a regulated path to participate in this strategy, removing the complexities of sourcing individual bonds or managing Bitcoin transactions.

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