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Fulcrum Launches Fully Insured Crypto Lending Platform Offering Up to 12% APR on BTC, 13% on SOL and 14% on USDT

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Program offers unique option for crypto interest payouts, and crypto backed loans to empower investors to exceed traditional returns

Zug, Switzerland, 4th November 2025, ZEX PR WIRE, Fulcrum Lending, the crypto-backed financial services provider, today announced the launch of its platform. Fulcrum is tailored exclusively for investors, individuals or businesses, looking to achieve higher returns on major crypto (BTC, ETH, BNB, SOL) and stablecoin deposits (USDC, USDT). With annual returns of up to 14%, full-insurance, FINMA license and the interest payouts in the crypto deposited; the platform offers investors a secure, high-yield alternative to traditional savings accounts. The platform has been in beta and alpha stages for the last 6 months and now it’s celebrating its release.

New Alternative to Outpace Inflation

Traditional savings accounts struggle to keep pace with inflation, often leading to a gradual loss of value for investors. Crypto saving accounts do offer higher returns, but they don’t offer insurance for incidents that are common in crypto space. Fulcrum offers an alternative that combines predictable high returns of crypto with a fully insured and licensed platform, allowing investors to grow their savings faster than inflation with peace of mind. This platform is designed to empower individuals with greater financial control, helping them to break away from low-yield savings accounts and achieve more flexibility in their financial plans.

“Fulcrum has always been about empowering our community with innovative ways, and we prove this commitment by providing investors with a high-yield alternative to traditional savings accounts, while giving them a peace of mind with full insurance and regulation” said Matthew Curtis, CEO and Founder of Fulcrum Lending.  “We operate a strict regulatory licensing and compliance rigidly in all operations, ensuring your trust in us is well-placed. We are licensed and regulated by Swiss financial authority FINMA. We also hold all customer assets in a qualified custody Fireworks, and we fully insure them. We offer you best rates on the market no matter the market conditions are, and our team is available 24/7”.

Key Features of Fulcrum Platform

  • Earn up to 12% APR on BTC and ETH, 13% on SOL and BNB
  • Earn up to 14% APR on USDT and USDC
  • Borrow USDT at 16% APR
  • Predictable rates that don’t change with market conditions
  • Full Insurance of user deposits by Lloyd’s of London
  • Licensed and regulated by Swiss financial authority FINMA
  • Backed by known incubator YCombinator
  • Customer assets stored by trusted digital asset custodian Fireworks
  • Flexible withdrawal options of daily, monthly, quarterly and semi-annually

Unlike many crypto yield products that rely on high-risk trading strategies, Fulcrum generates returns exclusively from lending activity on platform providing over-collateralized loans, ensuring a lower risk profile for investors. This means the customer deposits are used to fund secured loans, not volatile trading ventures. Fulcrum also guarantees that crypto payouts are held in full reserve and never leveraged—your crypto is always protected and not exposed to additional risk.

“We’re able to offer investors a compelling alternative to traditional savings accounts that’s built on the foundation of our secure, over-collateralized loan book,” said Andrew Owen, Chief Revenue Officer at Fulcrum. “We only have the option of 50% loan-to-value ratio. That means for every 1 BTC worth of credit, we get 2 BTC as collateral.”

How the Fulcrum Interest Account Works

Fulcrum platform accepts deposits in crypto (BTC, ETH, SOL, BNB) and stablecoins (USDC, USDT). Investors will be able to receive monthly interest payouts in the crypto they deposited, giving them the flexibility to tailor their returns to their financial goals. Withdrawals are available after different lock-in periods, differing from 1 day to 6 months. The more the platform users lock-in funds in the platform, more returns they receive.

How the Fulcrum Borrowing Works

With Fulcrum, anyone can have access to borrowing power of up to $1 million by using their crypto assets as collateral, within 24 hours and with no credit history required. In this way they can borrow cash and hold their coins to see them grow while avoiding taxes. Fulcrum offers over-collateralized crypto-backed loans, stored in qualified custody, and only with 50% LTV. The automated platform provides instant funding in USDT.

Availability of Fulcrum platform

Fulcrum platform is now accessible to individuals and corporate investors seeking a secure, high-yield alternative to traditional saving and borrowing options.

About Fulcrum Lend

Founded in 2025 and headquartered in Switzerland, Fulcrum Lending is the pioneer of fully insured crypto-backed lending. Fulcrum’s mission is to build and enable simple, familiar, and novel crypto financial products that increase access to financial opportunities and give consumers more control over their ability to generate long-term wealth.

Fulcrum’s crypto lending products enable its users to receive interest in their idle crypto assets and seamlessly access credit against their crypto portfolios. For more information, visit https://fulcrumlend.com

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Disclaimer: The views, suggestions, and opinions expressed here are the sole responsibility of the experts. No Digi Observer journalist was involved in the writing and production of this article.

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Press Release

World Sleep Day: HIG Bedding Highlights Affordable Everyday Comfort

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United States, 18th Mar 2026, – Ahead of World Sleep Day, attention is once again turning to the importance of healthy sleep and comfortable living environments. While many people focus on routines, the physical sleep environment remains one of the most practical ways to improve everyday rest. As a trusted home textile brand serving customers across North America, HIG Bedding continues to help families create visually appealing and relaxing bedrooms through its lineup of practical, thoughtfully designed, and budget-friendly bedding products.

World Sleep Day: HIG Bedding Highlights Affordable Everyday Comfort

“Home Is Gorgeous, We Make It Better”

Creating a relaxing bedroom does not require dramatic lifestyle changes or a massive budget. HIG has extensive experience in designing, producing, and exporting home textile products for customers around the globe. The brand believes that home is not only a resting place but also reflects an attitude towards life.

With a focus on bringing style and comfort into everyday living, HIG offers distinctive yet classic styles at a wide range of accessible price points. This makes it easy for every household to enjoy a comfortable and well-coordinated bedroom space without overspending. World Sleep Day: HIG Bedding Highlights Affordable Everyday Comfort
World Sleep Day: HIG Bedding Highlights Affordable Everyday Comfort
Distinctive Bedding Designed for Real Homes

Many consumers find that affordable bedding on the market often looks generic, making it difficult to create a bedroom with unique character. HIG’s design approach solves this by focusing on tactile details like textured fabrics, embroidery, and soft color palettes that bring personality into everyday spaces.

Beyond aesthetics, HIG’s product lineup is developed specifically to address common household needs:

  • All-Season Down Alternative Comforters: Designed for diverse climates, these lightweight and breathable comforters provide balanced warmth in winter and comfort in summer, reducing the need for storing multiple bulky comforters throughout the year.
  • Machine-Washable Durability: Made with durable brushed polyester fabric, the bedding is easy to maintain, making it ideal for busy families, pet owners, and short-term rental properties.
  • Certified Safety: Selected comforters are made with materials certified under OEKO-TEX Standard 100, ensuring fabric safety and providing additional reassurance for consumers.
  • Coordinated Home Decor: To complete the look, HIG also offers complementary items such as layered decorative curtains and textured decorative pillow covers, making room coordination simple and affordable. 
     

Reliable Delivery and Everyday Comfort

As a trusted seller with years of experience across major US platforms, HIG understands the importance of reliable service. With local fulfillment supporting customers across North America, the brand ensures both consistent product quality and efficient delivery.

Accessible Comfort with Everyday Savings

To ensure that upgrading your sleep space is always accessible, HIG provides an everyday discount for its customers. Shoppers can enjoy 10% off sitewide by using the promo code HIGHOME10 at checkout on any day of the year.

Explore HIG’s classic collection of farmhouse comforter sets, all-season bedding, and distinctive home decor at the official HIG website, and find the perfect upgrade for your everyday comfort. 
World Sleep Day: HIG Bedding Highlights Affordable Everyday Comfort
 

About HIG Bedding

HIG is a global home textile brand specializing in bedding and home decor products designed for modern households. With extensive experience in designing and supplying home textile products, HIG (along with its family of brands including Homechoice Decor, Bedream, and Bednlinens) provides comforter sets and solutions that combine distinctive design with practical functionality and affordability.

For more information, visit higbedding.com.

Media Contact

Organization: HOMECHOICE INTERNATIONAL GROUP INC.

Contact
Person:
Media Relations

Website:

https://higbedding.com/

Email:

higbedding@gmail.com

Contact Number: 18337761088

Country:United States

The post
World Sleep Day: HIG Bedding Highlights Affordable Everyday Comfort
appeared first on
Brand News 24.
It is provided by a third-party content
provider. Brand News 24 makes no
warranties or representations in connection with it.

About Author

Disclaimer: The views, suggestions, and opinions expressed here are the sole responsibility of the experts. No Digi Observer journalist was involved in the writing and production of this article.

Continue Reading

Press Release

World Sleep Day: HIG Bedding Highlights Affordable Everyday Comfort

Published

on

United States, 18th Mar 2026, – Ahead of World Sleep Day, attention is once again turning to the importance of healthy sleep and comfortable living environments. While many people focus on routines, the physical sleep environment remains one of the most practical ways to improve everyday rest. As a trusted home textile brand serving customers across North America, HIG Bedding continues to help families create visually appealing and relaxing bedrooms through its lineup of practical, thoughtfully designed, and budget-friendly bedding products.

World Sleep Day: HIG Bedding Highlights Affordable Everyday Comfort

“Home Is Gorgeous, We Make It Better”

Creating a relaxing bedroom does not require dramatic lifestyle changes or a massive budget. HIG has extensive experience in designing, producing, and exporting home textile products for customers around the globe. The brand believes that home is not only a resting place but also reflects an attitude towards life.

With a focus on bringing style and comfort into everyday living, HIG offers distinctive yet classic styles at a wide range of accessible price points. This makes it easy for every household to enjoy a comfortable and well-coordinated bedroom space without overspending. World Sleep Day: HIG Bedding Highlights Affordable Everyday Comfort
World Sleep Day: HIG Bedding Highlights Affordable Everyday Comfort
Distinctive Bedding Designed for Real Homes

Many consumers find that affordable bedding on the market often looks generic, making it difficult to create a bedroom with unique character. HIG’s design approach solves this by focusing on tactile details like textured fabrics, embroidery, and soft color palettes that bring personality into everyday spaces.

Beyond aesthetics, HIG’s product lineup is developed specifically to address common household needs:

  • All-Season Down Alternative Comforters: Designed for diverse climates, these lightweight and breathable comforters provide balanced warmth in winter and comfort in summer, reducing the need for storing multiple bulky comforters throughout the year.
  • Machine-Washable Durability: Made with durable brushed polyester fabric, the bedding is easy to maintain, making it ideal for busy families, pet owners, and short-term rental properties.
  • Certified Safety: Selected comforters are made with materials certified under OEKO-TEX Standard 100, ensuring fabric safety and providing additional reassurance for consumers.
  • Coordinated Home Decor: To complete the look, HIG also offers complementary items such as layered decorative curtains and textured decorative pillow covers, making room coordination simple and affordable. 
     

Reliable Delivery and Everyday Comfort

As a trusted seller with years of experience across major US platforms, HIG understands the importance of reliable service. With local fulfillment supporting customers across North America, the brand ensures both consistent product quality and efficient delivery.

Accessible Comfort with Everyday Savings

To ensure that upgrading your sleep space is always accessible, HIG provides an everyday discount for its customers. Shoppers can enjoy 10% off sitewide by using the promo code HIGHOME10 at checkout on any day of the year.

Explore HIG’s classic collection of farmhouse comforter sets, all-season bedding, and distinctive home decor at the official HIG website, and find the perfect upgrade for your everyday comfort. 
World Sleep Day: HIG Bedding Highlights Affordable Everyday Comfort
 

About HIG Bedding

HIG is a global home textile brand specializing in bedding and home decor products designed for modern households. With extensive experience in designing and supplying home textile products, HIG (along with its family of brands including Homechoice Decor, Bedream, and Bednlinens) provides comforter sets and solutions that combine distinctive design with practical functionality and affordability.

For more information, visit higbedding.com.

Media Contact

Organization: HOMECHOICE INTERNATIONAL GROUP INC.

Contact
Person:
Media Relations

Website:

https://higbedding.com/

Email:

higbedding@gmail.com

Contact Number: 18337761088

Country:United States

The post
World Sleep Day: HIG Bedding Highlights Affordable Everyday Comfort
appeared first on
Brand News 24.
It is provided by a third-party content
provider. Brand News 24 makes no
warranties or representations in connection with it.

About Author

Disclaimer: The views, suggestions, and opinions expressed here are the sole responsibility of the experts. No Digi Observer journalist was involved in the writing and production of this article.

Continue Reading

Press Release

NGTeco Reimagines Workforce Management for SMBs: Professional Biometrics Without the Enterprise Price Tag

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United States, 18th Mar 2026, – While large corporations have long enjoyed the benefits of high-end biometric security, many small business owners are still stuck choosing between outdated paper logs or expensive, contract-heavy software. NGTeco is changing that narrative. Today, the company reaffirms its commitment to providing 100,000+ small businesses worldwide with the tools they need to manage their teams—minus the complexity and hidden costs.

Bridging the Gap for the Modern Shop Owner

For a local retail store or a busy clinic, every minute counts. NGTeco’s “Sophisticated Simplicity” philosophy focuses on creating an ecosystem where technology supports the business owner, rather than becoming another task to manage. By replacing manual punch card systems with Cloud Time Clock TC1 terminals, NGTeco helps managers reclaim their time and eliminate the constant headaches associated with manual payroll processing.
 

Reliable Technology Built for Real-World Workplaces

At the heart of NGTeco’s success is its industry-vetted Visible Light Facial Recognition series. These aren’t just gadgets; they are workhorses built for busy, high-traffic environments. Using advanced algorithms, the systems recognize employees in under a second—with flagship models clocking in at an impressive 0.3s. This technology is optimized to perform in diverse lighting and even while staff are wearing masks, ensuring a fast, hands-free “walk-through” experience that keeps the morning rush moving smoothly.

Enterprise-Grade Security Without the Monthly Bill

Data privacy is a top priority in 2026, and it shouldn’t be a luxury. NGTeco hosts its infrastructure on Amazon Web Services (AWS), protecting employee records with the same encryption standards (TLS 1.2 and AES 256-bit) used by global financial institutions.

However, what truly sets NGTeco apart in a crowded market is its stance on transparency. “We believe you should own your hardware and your data,” says a spokesperson for NGTeco. Unlike competitors who lock essential features behind a paywall, NGTeco maintains a no-mandatory-subscription model. Business owners get lifetime access to core features, including automatic hour calculation and mobile reporting via the NGTeco Office App, right out of the box.

A Specialized Vision for the Future

As NGTeco grows its footprint in North America, its focus remains narrow and deep: mastering the “Attendance” niche. By choosing to do one thing exceptionally well, NGTeco is helping a new generation of entrepreneurs build more resilient, tech-forward businesses.

For more details on how to simplify your team’s attendance, visit www.ngteco.com.

NGTeco Reimagines Workforce Management for SMBs: Professional Biometrics Without the Enterprise Price Tag

About NGTeco

Founded in the United States, NGTeco leverages nearly two decades of biometric technology experience to serve small and medium-sized businesses. Since 2018, the company has specialized in smart office solutions, combining its TC Series time clocks with the NGTeco Cloud platform to streamline workforce management.

Media Contact

Organization: NGTECO

Contact
Person:
Media Relations

Website:

https://ngteco.com/

Email:

ngtime@ngteco.com

Contact Number: 17708002321

Country:United States

The post
NGTeco Reimagines Workforce Management for SMBs: Professional Biometrics Without the Enterprise Price Tag
appeared first on
Brand News 24.
It is provided by a third-party content
provider. Brand News 24 makes no
warranties or representations in connection with it.

About Author

Disclaimer: The views, suggestions, and opinions expressed here are the sole responsibility of the experts. No Digi Observer journalist was involved in the writing and production of this article.

Continue Reading

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