Press Release
Cross-Chain Money Market Governance Token, HARD, to be Co-Listed on BitMax.io
BitMax.io (BTMX.com), an industry-leading digital asset trading platform built by Wall Street quant trading veterans, has announced the primary co-listing of HARD Protocol’s HARD token (HARD) under the trading pair of HARD/USDT on November 6th at 10:00 a.m. EST.

HARD Protocol (previously Harvest.io) is a cross-chain money market that enables users to lend, borrow, and earn with their digital assets. HARD, the native governance token for the protocol, launched with the mainnet upgrade that took place on October 15th, 2020. The token can be used as collateral in the HARD Protocol supply and borrowing markets, as well as for voting on the management and evolution of the platform.
In contrast to other money markets, HARD opens DeFi to the larger cryptocurrency market, taking token holders beyond ETH access products like lending and borrowing. As an application built on multi-asset DeFi platform Kava, HARD is set to capitalize on the Kava-4 Mainnet upgrade which will introduce support for BTC, BUSD, XRP, and other digital assets. New digital assets will be also supported within the HARD Protocol money market alongside Kava native assets like KAVA, HARD, and USDX.
The HARD Protocol money market is the first project of its kind launched on the Kava blockchain. Kava gives the platform access to cross-chain assets, Chainlink oracles, and other key infrastructure. To support platform security and stability within this relatively new design paradigm, compared to Ethereum, HARD code is being audited by CERTIK, peer reviewed, and tested prior to listing.
“The primary co-listing of HARD on BitMax.io will be beneficial for both BitMax.io users and users of the Kava DeFi ecosystem,” said Shane Molidor, Global Head of Business Development at BitMax.io, “HARD offers investors a cross-blockchain money market to lend and borrow assets in a new way. This listing collaboration gives BitMax.io users exposure to HARD Protocol through the HARD token, and at the same time, allows HARD users to further invest in the platform’s governance.”
About BitMax.io
Launched in August 2018, BitMax.io is a leading digital asset trading platform with a broad range of financial products and services for both retail and institutional clients, with robust design ranging from innovative volatility products to margin trading, derivatives trading, staking products, and other investment solutions.
For more information and updates, please visit:
Website: https://bitmax.io/
Twitter: https://twitter.com/BitMax_Official
Telegram: https://t.me/BitMaxioEnglishOfficial
Medium: https://medium.com/bitmax-io
About HARD Protocol
HARD Protocol is the world’s first cross-chain money market that enables users to lend, borrow, and earn with their digital assets. Leveraging Kava’s blockchain security for DeFi products, the HARD Protocol will be expanded to support BTC, XRP, BUSD in HARD money markets along with native Kava assets like KAVA, HARD and USDX.
For more information and updates, please visit:
Website: https://harvest.io
Twitter: https://twitter.com/harvest_io
Telegram: https://t.me/harvest_io
Medium: https://medium.com/kava-labs/tagged/harvest
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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.
Press Release
Dee Agarwal’s Guide to Building High-Performance Teams Across Time Zones
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As remote work scales globally, Dee Agarwal explains why clarity, asynchronous workflows, and outcome-driven leadership matter more than constant availability when building high-performance teams across time zones.
ATLANTA, GA, 28th January 2026, ZEX PR WIRE, A 2023 study by Buffer.com found that 62% of remote workers interfaced directly with a teammate in a different time zone. As companies continue to scale beyond borders, the challenge is no longer whether teams can work across time zones, but whether they can do so at a high level. Distributed work has become normal in the post-pandemic era, yet many organizations still struggle with misalignment, slow decision-making, and burnout when teams rarely share the same working hours.

According to business strategist and entrepreneur Deepak “Dee” Agarwal, building high-performance teams across time zones is less about tools and more about intentional design. “Time zone differences don’t break teams,” Dee Agarwal says. “Unclear expectations do.”
Rather than attempting to replicate in-office dynamics remotely, Dee Agarwal advocates for rethinking how performance, communication, and accountability are defined when teams operate asynchronously.
Start With Clarity, Not Coverage
One of the most common mistakes leaders make is trying to ensure constant availability across regions. Dee Agarwal believes this approach quietly erodes trust and productivity.
“High-performing global teams are not online all the time,” Dee Agarwal explains. “They are clear all the time. Everyone knows what success looks like before the workday even starts.”
This begins with clearly documented goals, ownership, and decision rights. When team members understand what they are responsible for and how their work connects to the broader objective, progress continues regardless of who is awake.
Dee Agarwal emphasizes that clarity should be written, visible, and easy to reference. “If something only lives in a meeting, it doesn’t exist for a distributed team,” he says.
Design for Asynchronous Excellence
While real-time collaboration has its place, Dee Agarwal encourages leaders to treat asynchronous work as the default, not a backup.
“Async is not a compromise,” he notes. “It is a competitive advantage when done well.”
This means structuring work so it can move forward without immediate responses. Clear briefs, thoughtful handoffs, and shared documentation allow teams in different regions to build on each other’s progress rather than waiting for approvals.
Dee Agarwal also highlights the importance of decision frameworks. “If every decision requires a live conversation, you create bottlenecks across time zones,” he says. “High-performance teams agree in advance on what can be decided independently.”
Rethink Meetings and Overlap Time
Time zone overlap is often treated as sacred, but Dee Agarwal suggests using it more strategically.
“Overlap time should be used for discussion, alignment, and problem-solving, not status updates,” he says.
Instead of filling limited shared hours with routine check-ins, Dee Agarwal recommends reserving them for conversations that benefit from real-time energy. Everything else can be documented and shared asynchronously.
He also encourages leaders to rotate meeting times when possible. “If the same region always absorbs the inconvenience, resentment builds quietly,” Dee Agarwal notes. “Equity in scheduling sends a powerful message about respect.”
Build Trust Through Outcomes, Not Presence
In distributed teams, trust cannot be built solely on visibility. Dee Agarwal argues that performance should be measured by outcomes rather than activity.
“When leaders reward responsiveness over results, they unintentionally punish deep work,” he says.
High-performing global teams establish clear metrics and timelines, then give individuals autonomy in managing their schedules. This flexibility allows team members to work when they are most effective, rather than conforming to another region’s clock.
Dee Agarwal adds that leaders must model this behavior themselves. “If leadership sends messages at all hours and expects immediate replies, no policy will fix that,” he explains.
Invest in Human Connection Intentionally
While efficiency matters, Dee Agarwal is quick to point out that performance suffers when teams feel disconnected.
“People don’t collaborate well with people they don’t feel connected to,” he says.
He recommends creating structured moments for relationship-building that do not rely on constant social interaction. Simple practices, such as shared onboarding experiences, periodic virtual offsites, or rotating team spotlights, can help reinforce a sense of belonging.
“These moments don’t need to be frequent,” Dee Agarwal notes. “They just need to be intentional.”
Leadership Sets the Tempo
Ultimately, Dee Agarwal believes that building high-performance teams across time zones is a leadership responsibility, not a logistical challenge.
“Teams take their cues from how leaders communicate, prioritize, and make decisions,” he says. “If leadership is thoughtful and disciplined, the team will follow.”
Rather than chasing perfect alignment throughout the day, Dee Agarwal encourages leaders to focus on trust, clarity, and execution. When those elements are in place, time zones become less of a barrier and more of an advantage.
“Global teams give organizations the ability to move continuously,” Dee Agarwal says. “The goal is not to work longer. It is to work smarter, together, even when we are apart.”
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.
Press Release
Matthew Schissler on Why Net Worth Shouldn’t Be the Goal
Paradise Valley, Arizona, 28th January 2026, ZEX PR WIRE, Matthew Schissler has worked across industries. Biotech. Aviation. Education. Fitness. But over the past decade, much of his attention has focused on financial services—specifically, long-term investing.
As founder and managing member of several private investment funds, Schissler works with companies others often overlook. He looks for sound fundamentals, strong teams, and growth potential that plays out over years, not quarters. It’s the kind of investing that doesn’t rely on hype.
Still, people assume someone in his position is chasing a number.
“Most people think investing is about accumulating,” Schissler says. “But to me, it’s about alignment. You put money behind what you believe in.”
He doesn’t offer market predictions. He doesn’t talk in trends. What he talks about is clarity.
“If you’re making financial decisions without knowing what you stand for, you’ll lose more than you gain,” he says.
Schissler began his career in the sciences. He founded Cord Blood America, Inc. in 2003 and spent nearly a decade scaling it. The company focused on storing umbilical stem cells for potential future use—a field that blended medical promise with long-term planning. Under his leadership, CBAI expanded its footprint into Germany, Argentina, and Asia. It also acquired smaller operators in the U.S. and moved its headquarters to Las Vegas to reduce costs and improve logistics.
The company grew fast. But Schissler’s goals weren’t about short-term valuation.
“Even back then, I wasn’t trying to flip a business,” he says. “I wanted to build something families could count on.”
That same mindset shapes his investment work today. His funds focus on small and mid-sized companies that are often too early or too complicated for traditional investors. He’s especially drawn to operators who think long-term and don’t lose their footing during downturns.
He also founded Work Your Core Investments, LLC, a fund focused on performance-based concepts and fitness franchises. These are businesses where success depends on consistency, trust, and repeat behavior—principles that match his view of real value.
“I’ve never been interested in shortcuts,” Schissler says. “That goes for health, for business, and for money.”
His role as an investor goes beyond financial backing. Schissler often mentors teams, works through strategy, and helps leaders stay focused when things get noisy. He believes that true financial guidance includes personal discipline, not just capital.
“You can have all the tools in the world, but if you don’t know what you’re working toward, they won’t help,” he says. “Financial strength starts with purpose.”
Asked about personal wealth, Schissler doesn’t offer numbers. Instead, he talks about alignment, time freedom, and being in a position to say no to the wrong opportunities.
“Net worth is only meaningful if it supports how you live,” he says. “I want mine to support work I care about, people I respect, and ideas that deserve to exist.”
He serves on several boards, including Aztec Airways and multiple nonprofits. He sees these roles as an extension of the same value system. Support what matters. Stay consistent. Make decisions that age well.
While the financial sector often celebrates outcomes, Schissler remains focused on the process.
“Anyone can make money in a lucky moment,” he says. “But if you can make good decisions in hard seasons, that’s real skill. That’s where the work is.”
For Matthew Schissler, net worth is not a scoreboard. It’s a tool. A tool for independence. For impact. For living in alignment with what matters most.
And in his world, that’s the only kind of wealth worth pursuing.
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.
Press Release
Matthew Collier Madera Advocates for Clear Capital Planning to Support Long-Term Community Stability
California, US, 28th January 2026, ZEX PR WIRE, Clear capital planning plays a central role in how communities maintain essential services and prepare for future needs. Matthew Collier Madera has spent years working with organizations that face growing infrastructure demands, limited resources, and rising public expectations. Through this work, he has seen how clarity in long-range planning strengthens trust, reduces uncertainty, and supports consistent decision making.
Capital planning often carries a technical reputation. Many people associate the term with spreadsheets, complex reports, or long project lists. In practice, the purpose is far more practical. Clear planning allows organizations to understand what assets exist, what condition they are in, and what steps are required to maintain them over time. When this information is organized and current, leaders gain a reliable foundation for prioritizing work and communicating decisions.
Matthew Collier Madera emphasizes that uncertainty creates cost. When organizations lack accurate asset data, project priorities shift without explanation. Teams respond to issues as they arise instead of following a plan. Over time, this reactive approach increases expenses, strains staff, and weakens public confidence. Clear capital planning helps prevent these outcomes by setting expectations early and supporting steady progress.
One of the most valuable outcomes of clear planning is transparency. When leaders understand why certain projects rise to the top of the list, they can explain those choices with confidence. Staff members gain insight into how their work fits into broader goals. Community members see how funding decisions align with documented needs rather than short-term pressure. This shared understanding strengthens trust across every level of an organization.
Planning also becomes more realistic when it reflects actual capacity. Many organizations struggle because plans assume ideal staffing levels or uninterrupted funding. Matthew Collier Madera stresses the importance of aligning project schedules with real constraints. When plans respect available resources, teams avoid burnout and reduce the likelihood of stalled initiatives. Progress becomes predictable instead of cyclical.
Another benefit of clear capital planning is cost control. Planned maintenance and replacement almost always require fewer resources than emergency response. When asset lifecycles are understood, organizations can spread costs over time and avoid sudden budget shocks. This approach supports long-term financial stability and allows leaders to allocate funds with greater confidence.
Clear planning also improves internal coordination. Departments often manage overlapping assets or share responsibility for system performance. Without a common roadmap, efforts become fragmented. Capital planning provides a shared reference point. Teams align around the same priorities, timelines, and data. Coordination improves, and conflicts decrease.
Matthew Collier Madera also highlights the role of documentation within the planning process. Plans that exist only in presentations or meetings lose value quickly. Documented assumptions, asset conditions, and schedules create continuity. New staff members onboard faster. Leaders track progress without relying on memory. Decisions build on established knowledge rather than guesswork.
Communities benefit when planning remains consistent over time. Stability allows organizations to adjust to changing conditions without constant reorganization. Budgets tighten. Regulations shift. Environmental factors evolve. Clear plans provide a framework that supports adaptation while maintaining direction.
Public trust often depends on reliability. When infrastructure performs as expected and projects move forward as communicated, confidence grows. Clear capital planning supports this reliability by reducing surprises and aligning expectations. Residents understand not only what is being done, but why it matters.
Professionals who work with Matthew Collier Madera describe his approach as grounded and methodical. He focuses on building planning systems that support daily operations rather than producing plans that sit unused. His work centers on clarity, consistency, and follow-through.
As communities face increasing demands on infrastructure and services, the need for clear capital planning continues to grow. Organizations that invest in understanding their assets, documenting priorities, and communicating decisions position themselves for long-term stability.
For Matthew Collier Madera, capital planning is not an abstract exercise. It is a practical tool that supports trust, protects resources, and strengthens the systems people rely on every day.
About Matthew Collier Madera
Matthew Collier Madera is an operations and infrastructure strategist with experience supporting public agencies, utilities, and organizations focused on long-range planning and system reliability. His work centers on asset management, capital improvement planning, documentation, and communication strategies that reduce uncertainty and support consistent performance.
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.
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