Waiting on the good life has turned into a mandatory burden because the right time for having enough funds, courage, enthusiasm or time never comes.

If you see any change, seize the opportunity today.

Who if not you will take care of your family?

Who if not you can serve as an example of others?

Someone has to take the path, so others can pass smoothly. Let you braveheart leads you, so you can stay on the path you've decided and don't look back. During this walk, if you start to hesitate, keep in mind the reasons why you choose this way. When you start, think about why you decided to take this path in the first place. Do not let fear prevent you from taking action. It is scarier to avoid what you have to do than giving it a try and facing obstacles. You have to be more afraid of avoiding your path than walking on it.

Moving in the wrong direction is better than not moving at all. Sooner or later you are going to realize that you're moving in the wrong direction and start moving in the right one. There is a saying: "Don't be afraid to take an unfamiliar path. Sometimes they're the ones that take you to the best places. "

Achieving goals that matter is never comfortable, but success does not come from being comfortable.


Four Types of Military Officers

(also relatable to different types of team members):

Clever, Diligent, Stupid and Lazy*

Even until today people argue about who developed the classification system I am about to describe below. However, it is believed that back in 1933, while overseeing the creation of a manual on how to successfully lead arms formations, Hammerstein-Equord made one of the most historical observations on leadership ever.

During his supervision he offered his personal view on different types of officers, classifying them in a rather unusual way that is definitely worth being aware of.

"From my perspective, I divide my officers into four groups. I have noticed there are clever, diligent, stupid and lazy officers. Usually, two characteristics can both relate to one and the same officer. Some individuals are clever and diligent — their place is the General Staff. Others are stupid and lazy — they make up to 90% of every army and are suited to routine duties. Anyone who is both clever and lazy is qualified for the highest leadership duties because he possesses the intellectual clarity and the composure necessary for difficult decisions. One must beware of anyone who is stupid and diligent — he must not be entrusted with any responsibility because he will always cause only mischief."

Surely, this classification might as well be applicable to people from the business world, private industry and every aspect of our professional life.

It is essential for a leader to be familiar with the characters of his/ her teammates and to properly delegate the work to every person accordingly. Remember, here we are, giving a broad categorization that does not necessarily apply to all people. This theory revolves around general behaviors, but it is an interesting way for a leader to try and classify what his/ her team members are good at and what kind of roles and tasks they should be given.


We are sure that most senior leaders will strongly deny this classification, but according to the theory people who are clever and lazy are good at making difficult decisions and are suitable for a top leadership role. This comes from their desire to make everything simpler and easier while having the mental clarity to find clever ways to do so. Clever and lazy people often don't mind standing out by asking questions and trying out new approaches, whereas many clever, hardworking people simply want to blend in. Actually, these are the leaders who have enough experience and wisdom to ask the right questions and make the right decisions, thus finding the simplest solutions to difficult problems.

Clarification: The ones who are clever but lazy tend to question processes and look for ways to streamline their work rather than simply getting it done.


What would clever and lazy people do without the clever and diligent ones – the fuel to their engine? They seem inexhaustible, accept every task assigned to them and won't stop at nothing until the task is complete. They are more likely to follow instructions and simply work hard on what they are told to do. Most of the cases, those people are in the middle management – the hardworking bees of the corporate hive. But if such a person has other qualities – ambition, braveness, etc., he/ she can reach the top leadership role and will be remembered. For those who are clever and hardworking, being self-employed could be the answer to bringing forward his/ her unique individuality within the big company and extending his full potential.


Avoid at all costs – at least that is what experts say. These are the exact same people who are assigned the simplest tasks ever but, somehow, they manage to make them twice as difficult and create more work for everyone else. In other words - a big mess. Unfortunately, these people lack the intellectual capacity to do much more than that. According to the theory such people must not be entrusted with any responsibility whatsoever because they will only cause mischief. You simply need to point such people to the right direction and make their hard work worthwhile.

Clarification: There is one specific case here - those who are diligent but uninformed. It is the leader’s duty to try and keep your team members informed. Give them the right guidelines to follow and from the uninformed person they were, they can grow to become leaders.


Surprisingly, stupid and lazy officers were not seen as the worst ones. The key with these people is to avoid assigning anything but simple tasks to them, the so-called routine tasks.

When you look at your team, do not forget the legacy of Hammerstein-Equord. And remember - he saw his officers not for who they were, but for what they brought to the table.

If you want your team to grow and develop in the right direction, you have to recognize the type of person you are dealing with, help them reveal their hidden potential and assign them the right tasks.

Do not be afraid of competitors! They will keep you on your toes, and with joined forces you will strive towards success. As the famous tennis player Rod Laver once said: "The time your game is most vulnerable is when you're ahead."

*Any similarities with actual persons or places are purely coincidental.

Beyond ID

Criminals often make fraudulent use of both fake and genuine identity documents in order to carry out their illegal activities:
False documents can be as follows:
  • Counterfeits – an unauthorized reproduction of a genuine document
  • Forgeries – alteration of a genuine document
  • Pseudo documents – documents which are not officially recognized. But false documents might as well be entirely genuine documents in the following cases:
  • Fraudulently obtained genuine documents
  • Genuine documents misused by an impostor

More than half of all cases of document fraud involve the use of fake identities, around 30% entail identity theft and 20% involve substitution (whereby people ‘rent out’ their social security cards or identity cards). These figures prove that we are facing a large-scale phenomenon with repercussions for our entire society, affecting the business, the public and the government.

In such an environment we must give our best to strike the perfect balance and offer the convenience and speed our customers want along with the security and scalability our company needs. Having a good knowledge on how to identify the most common types of ID fraud is a start. But combating fraud also means knowing the types of sophistication you might encounter.

So, how to identify false documents? Until regulators come up with effective solutions in terms of automated identity verification, there are some practical solutions that can be employed during the hard battle with frauds. The Corporate Fraud Policy are rules which employees are to follow when they suspect that something is not right. Meaning:

In most European countries, it is possible to check someone’s ID card number. Based on information in the document, the database specifies whether it is authentic or not. If such a system does not exist, we require that another Identity document is provided and/or a selfie of the person with the document/s.

If a false document is detected by us the burden of proof shall be incumbent on the applicant (the Company). If we have reasonable grounds to believe that the case is document forgery then we have to report it to the responsible authority and specify the points of alleged forgery, the evidence/s that we have and the investigation process we have followed in order to prove it.

Overall, the best time to stop fraudsters is at the gate, during account opening, before they can do any damage. This is the reason why the KYC process on our platforms applies at the very beginning - with the onboarding.

Somewhere beyond the horizon

Utopia (/juːˈtoʊpiə/ yoo-TOH-pee-ə) - an imagined community or society that possesses highly desirable or nearly perfect qualities for its citizens. (Wikipedia) During hard days of a worldwide crisis, we begin asking ourselves was it possible at all for businesses to be less vulnerable to the pandemic? Why have we wasted so much time and missed out on numerous opportunities over the past few years to get prepared and face the crisis with less damage to the people?

Sectors which are highly dependent on the economy - tourism, small and medium businesses, many self-employed people, all suffer too much nowadays, due to the fact that these businesses typically possess rather frugal financial reserves to survive. Even for the large economies on a global scale which seem to be most financially secure, if exposed to a virus outbreak, they become highly vulnerable to supply-chain disruptions. Especially in times of scarcity,

The governments are expected to implement a meaningful policy and give themselves a fair chance of achieving their objectives. But whether and how this will be done is, unfortunately, questionable. In such times companies must figure out their hidden strengths and use them in order to survive.

First and foremost, a big potential advantage is the online business as the outbreak forces economic activity to go online for safety reasons. Most of our company’s activities can be accomplished online. You can learn forex trading, buy and sell goods and services, trade, develop your network. All of this is possible. Our business model is facilitated through our own platforms. The aim is to be able to withstand future challenges even without any suppliers or contractors. To be independent and to grant people that power.

Furthermore, companies need to rely on something that is not realized or feasible - namely the concept of their business; the idea that is something beyond the horizon. In fact, our aim through our business model is to empower people to learn and embed the belief they have control over their lives and skills. We strive to provide the medium for them to express their need to help each other. We would like to equip them with the tools and knowledge to be able to earn and not be dependable on the economic situation, on government decisions, on a possible recession. To feel that their future lies in their own hands.

And last but not least – during such a battle community matters. In many instances, the relationship business - customer ends when the purchase is finalized and the goods are delivered. Conversely, we reframe this business-customer relationship. In our circular system, however, products are designed to be used periodically (as regular free updates are provided) and to offer users additional benefits (referral, loyalty, community building programs). This enables the client to use our services continuously, they become not only an ongoing user but part of our community.

So, utopia or reality – only time will tell. But regardless of what philosophers claim about the true nature of utopia – mostly that societies are not homogenous and have desires which conflict and therefore cannot simultaneously be satisfied, in our company we are constantly striving to achieve even the impossible in order to ensure that the utopia we build today will be our future tomorrow.

With Single sign-on (SSO) Vs Without Single sign-on (SSO)

Single sign-on (SSO) is a centralized user authentication service, in which one set of login credentials is used to access multiple applications. Implemented correctly, SSO is great for productivity, IT monitoring and management, and security control. One username and password pair enables and disables user access to different systems.
Some of the advantages of SSO conclude of:
  • Reduces password fatigue. Users` life is much easier when remember one password instead of many. As a tangential benefit, it gives users greater incentive to come up with strong passwords. The truth is that the more usernames and passwords we have, the worse password hygiene becomes. People start to use the same passwords everywhere and they often become less complex, making it easier for credentials to be compromised.
  • Simplifies username and password management, as well as improved user experience
  • Improves identity protection. By using SSO companies can strengthen identity security with techniques such as two-factor authentication (2FA) and multifactor authentication (MFA).
  • Increases speed – Instead of loosing time to log onto multiple platforms you can spend the time doing the real work.
  • Relieves help desk workloads. Less cases for forgotten password and inaccessible email which saves money and improves security.
  • Reduces security risks for your customers, vendors, and partner entities. Connections between allied companies always present vulnerabilities, which SSO can reduce.
SSO challenges
  • Extra-strong passwords must be enforced. If an SSO account is cracked, others under the same authentication can also be endangered.
  • SSO is risky for multi-user computers. What happens when one user is logged in and another needs to use the machine?

Idea vs Action

It’s not how you start the race, it is how you finish it.

We are working on the same wavelength of ideas as our business rivals, but we are aware that a great idea alone won't help win a battle.
Core idea for a start-up business is very important. If it is non – existent it is impossible business plan to be executed. But an entrepreneur is not necessarily a creative genius. He/she does not a hold a top university diploma in their hand.He/she is a passionate pragmatic dreamer with strong business acumen. His or her skill sets are tested not with the seed of the idea, but by how they bring the venture in light. Many ideas seem breakthrough ones. In fact, how an idea looks in paper can be quite different from its execution.
Some ideas can have logical mismatch, can be created not in the right place or time, cannot be in align with ones plans, may have not the right resources, may originate from a person without a courage, so they will never turn into action. When one comes down to the exciting and challenging playing field of today's start-up sector, one's ideas, beliefs, aspirations and dreams will inevitably be put to the test.

Exactly the execution is the difference between successful businesses and failed ones. There is a difference in creating a strategy and implementing it in the ambiguities of the start-up environment which often is even cut-throat environment. Turning the odds to work in your favor is not a talent, it is an action executed in the correct order by strategically planning every move.
As Steve Jobs famously said "Ideas are worth nothing unless executed…. Execution is worth millions"

Being A leader During A Crisis

Being a leader during a crisis could be a major challenge for every individual. If everything is going according to plan and yourbusiness is blooming then it is much easier to be on top of a prosperous company. Of course, there is this type of “leaders” who can make a big mess within a company, even in the most favorable situation but this is not what true leadership is all about. It is necessary for this person to have specific qualities in order to be a leader, because the way a leader behaves during a crisis will establish whether they were meant to lead or not.

Every crisis is unique and brings along unique challenges. There is no manual on how to behave when hard times come – you never know when it happens, you just need to be ready. A true leader must be born ready. Here are a few crucial things that the true leader should never forget in order to stay above water level when “the flood” comes:

Realistic estimation of the crisis

During a crisis people rely on their leader for guidanceand reassurance. Having a plan during difficult times is a MUST. If a leader is uncertain, this is transmitted like a contagious disease among people. They need to rely on someone and be guided in the right direction. In times of crisis, it is crucial for leaders to be realistic. Overstating or understating might impact the recovery process of the company in a bad way. Remember, there is always a good and bad side of the story, depending on who tells it and how. Try to figure out the good side and share it with your teambut never underestimate the bad one either. Be honest and take responsibility. That's what leaders are for - they take all the burden of the situation and take the hard decisions. As they say: “Heavy is the head that wears the crown”.

Control the chaos while staying positive

This is a tough one to do. During a crisis, stress and fear are always forefront, thus the everyday working environment can become rather chaotic and tense. It is compulsory for a leader to take control and stop panic from spreading. This is one of those things that is easier said than done. Таке control of as much things as you can - your attitude especially. You can be optimistic and productive at the same time, thus leading by example. A leader can also be patient and empathetic with people as the same crazy storm impacts everyone. A leader must start looking for a contingency plan which includesconstant communication between him and his teams. No need to be blindly optimistic while the roof falls on your head– just try and keep a game face on until the worst of the crisis has passed. There are always new promotions, new platforms, new challenges. Show people the right way. Open their eyes for opportunities. Boost their creativity. A leader is nothing without a good team.

Create a sense of normalcy

Working from home can result in isolation and can be extremely challenging for employees and teams that are accustomed to brainstorming together. A situation like this is bound to create panic, it is just inevitable. People are locked up at home only with their thoughts and assumptions, media blasting news of how bad the crisis is and, worst of all – no communication from your boss whatsoever. Now that could drive people crazy! This is why it is so important to keep people engaged - working helps keep people's minds off the negative news all of the time and is a sign that their leader is in control and knows what he/she is doing.

No one can predict when a crisis will strike, let alone when it will finish. But the most important thing to keep in mind is that every crisis passes eventually,but what people will remember after that is the legacy you left as a leader.

Have a question? Drop us a line!