Every investor dreams of timing the market perfectly — buying the bottom, selling the top, and exiting right before a crash. But here’s the uncomfortable truth: you will never sell at the top.

For years, XRP holders have believed Ripple’s token could become the global bridge currency for banks and cross-border payments. But with Swift—the network that connects more than 11,000 banks worldwide—announcing a major blockchain initiative, many are asking: does this threaten XRP’s role, or actually help it? In this post, I’ll break down what Swift actually announced, why banks are leaning toward stablecoins instead of volatile cryptos, and what this means for XRP’s future.

What changes on 1 January 2026, how CARF works, and how to prepare calmly (without panic). From 1 January 2026, HMRC will begin receiving an automatic daily feed of UK crypto users’ activity from participating exchanges via the Crypto-Asset Reporting Framework (CARF). Think: deposits, withdrawals, trades, fees, and—via chain-analysis—the flows to and from self-custody. This doesn’t remove your duty to file; it just means HMRC can cross-check what you file. Below is a clear, plain-English rundown of the 15 most-asked questions (and what to do next).

What HMRC’s 2026 reporting rules mean for crypto investors — and how to prepare without panic. HMRC has just made a move that could change the landscape for UK crypto holders. From January 1, 2026, every major exchange will be required to share your trading data directly with HMRC. Combine that with their new AI-driven Connect system, and the era of “grey area” crypto tax reporting is over. Here’s what’s changing, why it feels invasive, and the steps you can take to stay calm and compliant.

Digital IDs, CBDCs, and programmable money — the convenience, the control, and what to do now. You’ve probably heard the phrases digital ID, CBDC, and programmable money tossed around lately. Most explanations either scare you or sell you on convenience. Let’s stay calm and rational. Here’s what’s actually changing, why it matters, and how to prepare without panic.

In a recent interview with Harinder Mullay, Lewis Jackson shared the story of how a simple YouTube upload for friends turned into a business, why he left a “safe” career in speech therapy, and why he believes time — not money — is the ultimate asset.

Most people are told pensions are the “safe” route, but they fail basic tests of access, independence, and mobility. In this post, I explain why I’ve put 98% of my net worth into crypto, how volatility is a feature not a bug, and why the “good money” test shows crypto’s long-term potential. It’s a rational approach to building wealth with flexibility and control.

Lewis Jackson shares the 3 rules he’d follow if he were starting fresh in 2025 — lessons learned from nearly a decade of wins, losses, and thousands of investor conversations.

Crypto tax laws are changing globally. Learn how HMRC’s 2026 rules and CARF affect investors, and discover strategies to protect your crypto profits.

Whether leveraging stablecoins for immediate safety or accessing institutional off-ramping services for high net worth individuals, having a robust strategy in place is essential for managing your digital assets when exchanges are down.

Navigating Uphold's high net worth criteria requires understanding the balance between portfolio value and transaction size, with personalised guidance and strategic planning being key to accessing enhanced transactional capabilities.

Setting up company accounts on cryptocurrency exchanges is more accessible than it appears, with straightforward steps to distinguish personal from business transactions, ensuring clarity and compliance in your digital asset investments.