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Sezzle Inc. (NASDAQ: SEZL) (“Sezzle” or the “Company”), a purpose-driven digital payment platform, today provided an update on key financial metrics for the quarter and year ended December 31, 2025.

“Our tenth year as a company was our most transformative yet, as we achieved new highs in our top and bottom-line results while advancing our shopping ecosystem,” stated Charlie Youakim, Sezzle Executive Chairman and CEO. “By prioritizing higher LTV subscribers and scaling our proprietary shopping features, we have created a platform that delivers daily utility to our consumers. This momentum is clear in our performance: Monthly On-Demand and Subscribers reached a record 918,000 and app sessions surged 51% year-over-year by December. As we enter 2026, we are positioned to sustain this quality of earnings, guiding to Adjusted Net Income of $170 million, representing a 31% year-over-year increase in Adjusted Net Income per Diluted Share.”

Fourth Quarter 2025 Highlights

• Gross Merchandise Volume (GMV) reached a new quarterly high of $1.2 billion, a 35.3% YoY increase. This performance was primarily driven by the strategic investment and focus of scaling Subscription offerings, alongside peak holiday demand. Consumers transacted 6.6x on average during the quarter, compared to 5.5x last year, supported by targeted subscriber marketing and continued adoption of new shopping features driving higher engagement.

• Total Revenue advanced 32.2% to a new quarterly high of $129.9 million, equating to 11.2% of GMV.

• Monthly On-Demand & Subscribers (MODS) reached 918,000 (rounded to the nearest thousand), reflecting 134,000 new additions during the quarter, primarily driven by Premium and Anywhere, and consistent with the Company’s strategic focus on acquiring higher lifetime value consumers.

• Total Operating Expenses grew 10.8% YoY to $74.6 million, well below revenue growth of 32.2%. Despite marketing spend increasing 73.3% YoY to support MODS acquisition, Total Operating Expenses decreased 11.1 percentage points to 57.5% of Total Revenue and 1.5 percentage points to 6.4% of GMV.

• Transaction Related Costs³ declined 1.1 percentage points to 4.0% of GMV from 5.1% in the prior-year period. Favorable repayment performance and conservative holiday season underwriting contributed to Provision for Credit Losses declining 80 bps YoY to 2.0% of GMV, which represented a majority of the margin gain. In absolute terms, Transaction Related Costs rose 5.5% YoY to $46.3 million.

• Operating Income climbed 79.0% YoY to $55.2 million in the quarter. Operating Margin improved 11.1 percentage points to 42.5% of Total Revenue and 1.2 percentage points to 4.8% of GMV, reflecting improved Transaction Related Costs relative to GMV and operating leverage.

• Total Revenue Less Transaction Related Costs² jumped 53.8% YoY to $83.5 million. This represented 7.2% of GMV and 64.3% of Total Revenue, reflecting YoY gains of 0.8 and 9.0 percentage points, respectively.

• Non-Transaction Related Operating Expenses² grew 18.9% YoY to $32.0 million, including marketing expense of $9.3 million compared to $5.4 million in 4Q24. As a percentage of Total Revenue, the metric declined 2.8 percentage points YoY to 24.6% despite higher marketing spend.

  • The quarter included $1.3 million in Corporate Strategic Project Costs, consisting of professional services expenses related to the ongoing support for the antitrust litigation and bank charter application, as well as the completion of the Company’s capital markets exploration.

• Net Income reached $42.7 million, advancing 68.3% YoY and representing 32.9% of Total Revenue compared to 25.8% in 4Q24. Earnings per Diluted Share⁴ rose 72.9% YoY to $1.21.

  • Adjusted Net Income⁵ jumped 64.2% YoY to $42.8 million, representing 33.0% of Total Revenue. The bottom line performance drove a 68.1% YoY jump in Adjusted Net Income per Diluted Share⁴ to $1.21.

• Adjusted EBITDA⁵ increased 79.1% YoY to $58.3 million in 4Q25. Adjusted EBITDA Margin expanded 11.8 percentage points to 44.9% of Total Revenue from 33.1% in 4Q24.

Full Year 2025 Highlights

• GMV increased 55.1% YoY to $3.9 billion in FY2025, exceeding the prior-year level of $2.5 billion. Growth reflected the continued expansion of Subscription offerings, the introduction of On-Demand, and higher consumer engagement that supported increased transaction frequency.

• Total Revenue climbed 66.1% YoY to a new annual high of $450.3 million and reached 11.4% of GMV.

• Operating Expenses as a share of Total Revenue declined 9.0 percentage points to a new Company low of 60.7%, while absolute Operating Expenses in FY2025 rose 44.8% YoY to $273.5 million.

• Transaction Related Costs⁵ improved to 4.3% of GMV in FY2025, down from 4.7% in the prior year. The improvement reflects a lower Transaction Expense as a percentage of GMV, supported by payment processing enhancements and greater adoption of ACH for repayments, along with a lower Net Interest Expense as a percentage of GMV versus the prior year.

• Non-Transaction Related Operating Expenses⁵ declined 4.1 percentage points YoY to 26.3% of Total Revenue in FY2025, extending Sezzle’s track record of year-over-year margin improvement as the Company scaled efficiently.

• Operating Income more than doubled, rising 115.0% YoY to $176.8 million. Operating Margin expanded 9.0 percentage points to 39.3%, marking the fourth consecutive year of margin improvement and exceeding the prior annual high of 30.3% from FY2024.

• Total Revenue Less Transaction Related Costs⁶ grew 86.1% YoY to $281.0 million. This represented 7.1% of GMV and 62.4% of Total Revenue, up from 5.9% and 55.7%, respectively, in FY2024.

• Net Income increased 69.5% YoY to $133.1 million, equating to $3.72 per Diluted Share⁷. Net Income Margin grew 0.6 percentage points to 29.6%.

  • Adjusted Net Income⁶ totaled $128.4 million, representing 28.5% of Total Revenue, with Adjusted Earnings per Diluted Share⁷ of $3.59.

• Adjusted EBITDA⁶ jumped to $187.7 million in FY2025, more than doubling from $88.7 million in the prior year. Adjusted EBITDA Margin expanded 9.0 percentage points to 41.7%.

Balance Sheet and Liquidity

• As of December 31, 2025, Sezzle had $102.6 million of cash and cash equivalents, $38.5 million of which was restricted.

• The Company had an outstanding principal balance of $141.3 million on its $225.0 million credit facility as of quarter end.

  • On October 30, 2025, Sezzle expanded its total borrowing capacity from $150.0 million to $225.0 million by exercising the $75.0 million accordion feature on its existing facility.

• On December 4, 2025, the Company completed its previously authorized $50 million share repurchase program. Furthermore, on December 15, 2025, the Board of Directors authorized a new $100 million share repurchase program, underscoring management’s confidence in Sezzle’s long-term value and capital position.

Guidance⁸⁹

2025 Guidance (November 2025) vs. 2025 Actual vs. 2026 Guidance:

• Total Revenue Growth: 2025 Guidance (Nov 2025): 60%–65% | 2025 Actual: 66% | 2026 Guidance: 25%–30%
• Adjusted Net Income⁸⁹: 2025 Guidance (Nov 2025): $120.0M | 2025 Actual: $128.4M | 2026 Guidance: $170.0M
• Adjusted Net Income Per Diluted Share: 2025 Guidance (Nov 2025): $3.38 | 2025 Actual: $3.59 | 2026 Guidance: $4.70

Initiatives Update

• In 2025, Sezzle expanded its ecosystem with a comprehensive suite of in-app enhancements, including Price Comparison, Browser Extension, Express Checkout, Earn Tab, Wishlist, Products Tab, and Sezzle Balance, designed to drive discovery and engagement, contributing to a 51% YoY increase in Monthly Sessions¹⁰ by December.

• The Company also strengthened its financial empowerment initiatives, with MoneyIQ surpassing one million lessons completed in its first year, demonstrating strong adoption of Sezzle’s embedded financial education tools.

• Building on this momentum, the Company is accelerating toward its all-in-one app vision in FY2026, seamlessly integrating shopping, flexible payments, and essential services within a single, cohesive ecosystem. Key product and feature launches slated for FY2026 include:

  • Agentic Commerce: An AI-powered shopping assistant designed to personalize product discovery and improve conversion rates.

  • Sezzle Mobile (waitlist live): A competitively priced wireless service on the AT&T network, starting at $29.99 per month. By offering this essential utility, the Company aims to help consumers reduce their recurring monthly phone expense, extending the Company’s value proposition beyond the standard checkout to provide tangible savings on everyday bills.

  • Enhanced Long-Term Lending¹¹: Higher credit limits, flexible monthly payments, and broader merchant acceptance across all product groups.

  • User Community and Receipt Scanning & Rewards: Interactive engagement tools designed to foster deeper platform interaction and reward everyday spending activity.

Awards and Accolades

• Sezzle achievements garnered significant national recognition in 2025 from prestigious outlets including TIME, CNBC, and U.S. News & World Report. Additional honors from Bankrate, the Minneapolis / St. Paul Business Journal, and the Global Brand Frontier Awards further underscored the Company’s growing influence across fintech, consumer finance, and brand leadership.
• The Company joined the S&P SmallCap 600 Index in December 2025, marking a milestone in Sezzle’s evolution as a publicly-traded U.S. company.

Chief Financial Officer Transition

Effective February 1, 2026, Lee Brading was appointed Chief Financial Officer of Sezzle, succeeding Karen Hartje, whose retirement was announced in November 2025. Prior to his appointment, Brading served as Senior Vice President of Corporate Development and Investor Relations at Sezzle.

Upcoming Investor Events

Sezzle Management will participate in the upcoming investor events:

• March 10, 2026: Wolfe Research FinTech Forum.
• March 11, 2026: Oppenheimer Non-Deal Roadshow.

Quarterly Conference Call and Presentation

The Company will host its fourth quarter earnings conference call on February 25, 2026, at 5:00 p.m. ET.

To register for the call, please navigate to: https://dpregister.com/sreg/10206440/10341e70e10

All participants can access the webcast using the following link: https://event.choruscall.com/mediaframe/webcast.html?webcastid=WpZCVlkA

Upon registration, participants will receive the dial-in number. Those without internet access or unable to pre-register may dial in by calling: 1-866-777-2509 (US/CA toll free) or 1-412-317-5413 (international toll). A replay will be available until March 4, 2026. To access the replay dial 1-855-669-9658 (US toll free) or 1-412-317-0088 (International toll). Replay access code: 1508112.

In conjunction with the earnings call, the Company will release its presentation on the Sezzle Investor Relations website before the call. Please navigate to the Sezzle Investor Relations website for the presentation that management will review on the call.

4Q25 GAAP Operating Results

(For the three months ended December 31, 2025 vs. December 31, 2024, $ in thousands)

• Total Revenue: $129,869 (2025) vs. $98,223 (2024) — YoY Change: +32.2%
• Operating Expenses: $74,622 (2025) vs. $67,352 (2024) — YoY Change: +10.8%
• Operating Expenses as % of Total Revenue: 57.5% (2025) vs. 68.6% (2024) — YoY Change: −11.1 ppt
• Operating Expenses as % of GMV: 6.4% (2025) vs. 7.9% (2024) — YoY Change: −1.5 ppt
• Operating Income: $55,247 (2025) vs. $30,871 (2024) — YoY Change: +79.0%
• Operating Income as % of Total Revenue: 42.5% (2025) vs. 31.4% (2024) — YoY Change: +11.1 ppt
• Operating Income as % of GMV: 4.8% (2025) vs. 3.6% (2024) — YoY Change: +1.2 ppt
• Net Income: $42,691 (2025) vs. $25,367 (2024) — YoY Change: +68.3%
• Net Income as % of Total Revenue: 32.9% (2025) vs. 25.8% (2024) — YoY Change: +7.1 ppt
• Net Income per Diluted Share: $1.21 (2025) vs. $0.70 (2024) — YoY Change: +72.9%

4Q25 Non-GAAP Operating Results¹²

(For the three months ended December 31, 2025 vs. December 31, 2024, $ in thousands)

• Non-Transaction Related Operating Expenses: $31,982 (2025) vs. $26,899 (2024) — YoY Change: +18.9%
• Non-Transaction Related Operating Expenses as % of Total Revenue: 24.6% (2025) vs. 27.4% (2024) — YoY Change: −2.8 ppt
• Transaction Related Costs: $46,323 (2025) vs. $43,894 (2024) — YoY Change: +5.5%
• Transaction Related Costs as % of Total Revenue: 35.7% (2025) vs. 44.7% (2024) — YoY Change: −9.0 ppt
• Transaction Related Costs as % of GMV: 4.0% (2025) vs. 5.1% (2024) — YoY Change: −1.1 ppt
• Total Revenue Less Transaction Related Costs: $83,546 (2025) vs. $54,329 (2024) — YoY Change: +53.8%
• Total Revenue Less Transaction Related Costs as % of Total Revenue: 64.3% (2025) vs. 55.3% (2024) — YoY Change: +9.0 ppt
• Total Revenue Less Transaction Related Costs as % of GMV: 7.2% (2025) vs. 6.4% (2024) — YoY Change: +0.8 ppt
• Adjusted EBITDA: $58,307 (2025) vs. $32,560 (2024) — YoY Change: +79.1%
• Adjusted EBITDA Margin: 44.9% (2025) vs. 33.1% (2024) — YoY Change: +11.8 ppt
• Adjusted Net Income: $42,815 (2025) vs. $26,080 (2024) — YoY Change: +64.2%
• Adjusted Net Income Margin: 33.0% (2025) vs. 26.6% (2024) — YoY Change: +6.4 ppt
• Adjusted Net Income per Diluted Share: $1.21 (2025) vs. $0.72 (2024) — YoY Change: +68.1%

FY25 GAAP Operating Results

(For the year ended December 31, 2025 vs. December 31, 2024, $ in thousands)

• Total Revenue: $450,279 (2025) vs. $271,128 (2024) — YoY Change: +66.1%
• Operating Expenses: $273,490 (2025) vs. $188,882 (2024) — YoY Change: +44.8%
• Operating Expenses as % of Total Revenue: 60.7% (2025) vs. 69.7% (2024) — YoY Change: −9.0 ppt
• Operating Expenses as % of GMV: 6.9% (2025) vs. 7.4% (2024) — YoY Change: −0.5 ppt
• Operating Income: $176,789 (2025) vs. $82,246 (2024) — YoY Change: +115.0%
• Operating Income as % of Total Revenue: 39.3% (2025) vs. 30.3% (2024) — YoY Change: +9.0 ppt
• Operating Income as % of GMV: 4.5% (2025) vs. 3.2% (2024) — YoY Change: +1.3 ppt
• Net Income: $133,130 (2025) vs. $78,522 (2024) — YoY Change: +69.5%
• Net Income as % of Total Revenue: 29.6% (2025) vs. 29.0% (2024) — YoY Change: +0.6 ppt
• Net Income per Diluted Share¹: $3.72 (2025) vs. $2.19 (2024) — YoY Change: +69.9%

¹ Effective March 28, 2025, we performed a 6-for-1 stock split of the Company’s common stock, effected through a stock dividend. Share and per-share amounts have been retroactively adjusted.

FY25 Non-GAAP Operating Results¹³

(For the year ended December 31, 2025 vs. December 31, 2024, $ in thousands)

• Non-Transaction Related Operating Expenses: $118,231 (2025) vs. $82,503 (2024) — YoY Change: +43.3%
• Non-Transaction Related Operating Expenses as % of Total Revenue: 26.3% (2025) vs. 30.4% (2024) — YoY Change: −4.1 ppt
• Transaction Related Costs: $169,280 (2025) vs. $120,141 (2024) — YoY Change: +40.9%
• Transaction Related Costs as % of Total Revenue: 37.6% (2025) vs. 44.3% (2024) — YoY Change: −6.7 ppt
• Transaction Related Costs as % of GMV: 4.3% (2025) vs. 4.7% (2024) — YoY Change: −0.4 ppt
• Total Revenue Less Transaction Related Costs: $280,999 (2025) vs. $150,987 (2024) — YoY Change: +86.1%
• Total Revenue Less Transaction Related Costs as % of Total Revenue: 62.4% (2025) vs. 55.7% (2024) — YoY Change: +6.7 ppt
• Total Revenue Less Transaction Related Costs as % of GMV: 7.1% (2025) vs. 5.9% (2024) — YoY Change: +1.2 ppt
• Adjusted EBITDA: $187,726 (2025) vs. $88,716 (2024) — YoY Change: +111.6%
• Adjusted EBITDA Margin: 41.7% (2025) vs. 32.7% (2024) — YoY Change: +9.0 ppt
• Adjusted Net Income: $128,400 (2025) vs. $65,326 (2024) — YoY Change: +96.6%
• Adjusted Net Income Margin: 28.5% (2025) vs. 24.1% (2024) — YoY Change: +4.4 ppt
• Adjusted Net Income per Diluted Share¹: $3.59 (2025) vs. $1.82 (2024) — YoY Change: +97.3%

¹ Effective March 28, 2025, we performed a 6-for-1 stock split of the Company’s common stock, effected through a stock dividend. Share and per-share amounts have been retroactively adjusted.

² See appendix for a reconciliation of non-GAAP financial measures.

Appendix — Reconciliation of GAAP to Non-GAAP Financial Measures

Reconciliation of Operating Expenses to Non-transaction Related Operating Expenses

($ in thousands)

For the three months ended December 31:

• Operating expenses: $74,622 (2025) | $67,352 (2024)

  • Less: Transaction expense: ($18,966) (2025) | ($16,074) (2024)

  • Less: Provision for credit losses: ($23,674) (2025) | ($24,379) (2024)

• Non-transaction related operating expenses: $31,982 (2025) | $26,899 (2024)

For the year ended December 31:

• Operating expenses: $273,490 (2025) | $188,882 (2024)

  • Less: Transaction expense: ($65,961) (2025) | ($51,364) (2024)

  • Less: Provision for credit losses: ($89,298) (2025) | ($55,015) (2024)

• Non-transaction related operating expenses: $118,231 (2025) | $82,503 (2024)

Reconciliation of Operating Expenses to Transaction Related Costs

($ in thousands)

For the three months ended December 31:

• Operating expenses: $74,622 (2025) | $67,352 (2024)

  • Less: Personnel: ($13,776) (2025) | ($14,580) (2024)

  • Less: Third-party technology and data: ($3,934) (2025) | ($2,871) (2024)

  • Less: Marketing, advertising, and tradeshows: ($9,298) (2025) | ($5,364) (2024)

  • Less: General and administrative: ($4,974) (2025) | ($4,084) (2024)

  • Plus: Net interest expense: $3,683 (2025) | $3,441 (2024)

• Transaction related costs: $46,323 (2025) | $43,894 (2024)

For the year ended December 31:

• Operating expenses: $273,490 (2025) | $188,882 (2024)

  • Less: Personnel: ($54,825) (2025) | ($51,765) (2024)

  • Less: Third-party technology and data: ($14,441) (2025) | ($9,595) (2024)

  • Less: Marketing, advertising, and tradeshows: ($32,191) (2025) | ($9,740) (2024)

  • Less: General and administrative: ($16,774) (2025) | ($11,403) (2024)

  • Plus: Net interest expense: $14,021 (2025) | $13,762 (2024)

• Transaction related costs: $169,280 (2025) | $120,141 (2024)

Reconciliation of Operating Income to Total Revenue Less Transaction Related Costs

($ in thousands)

For the three months ended December 31:

• Operating income: $55,247 (2025) | $30,871 (2024)

  • Plus: Personnel: $13,776 (2025) | $14,580 (2024)

  • Plus: Third-party technology and data: $3,934 (2025) | $2,871 (2024)

  • Plus: Marketing, advertising, and tradeshows: $9,298 (2025) | $5,364 (2024)

  • Plus: General and administrative: $4,974 (2025) | $4,084 (2024)

  • Less: Net interest expense: ($3,683) (2025) | ($3,441) (2024)

• Total revenue less transaction related costs: $83,546 (2025) | $54,329 (2024)

For the year ended December 31:

• Operating income: $176,789 (2025) | $82,246 (2024)

  • Plus: Personnel: $54,825 (2025) | $51,765 (2024)

  • Plus: Third-party technology and data: $14,441 (2025) | $9,595 (2024)

  • Plus: Marketing, advertising, and tradeshows: $32,191 (2025) | $9,740 (2024)

  • Plus: General and administrative: $16,774 (2025) | $11,403 (2024)

  • Less: Net interest expense: ($14,021) (2025) | ($13,762) (2024)

• Total revenue less transaction related costs: $280,999 (2025) | $150,987 (2024)

Reconciliation of Net Income to Adjusted EBITDA

($ in thousands)

For the three months ended December 31:

• Net income: $42,691 (2025) | $25,367 (2024)

  • Plus: Depreciation and amortization: $389 (2025) | $258 (2024)

  • Plus: Income tax expense (benefit): $8,890 (2025) | $2,362 (2024)

  • Plus: Equity and incentive-based compensation: $1,340 (2025) | $1,370 (2024)

  • Plus: Other income, net: ($17) (2025) | ($300) (2024)

  • Plus: Loss on extinguishment of line of credit: — (2025) | — (2024)

  • Plus: Fair value adjustment on warrants: — (2025) | — (2024)

  • Plus: Corporate strategic projects: $1,331 (2025) | $62 (2024)

  • Plus: Net interest expense: $3,683 (2025) | $3,441 (2024)

• Adjusted EBITDA: $58,307 (2025) | $32,560 (2024)

For the year ended December 31:

• Net income: $133,130 (2025) | $78,522 (2024)

  • Plus: Depreciation and amortization: $1,356 (2025) | $965 (2024)

  • Plus: Income tax expense (benefit): $29,761 (2025) | ($11,205) (2024)

  • Plus: Equity and incentive-based compensation: $6,520 (2025) | $5,193 (2024)

  • Plus: Other income, net: ($123) (2025) | ($354) (2024)

  • Plus: Loss on extinguishment of line of credit: — (2025) | $260 (2024)

  • Plus: Fair value adjustment on warrants: — (2025) | $1,261 (2024)

  • Plus: Corporate strategic projects: $3,061 (2025) | $312 (2024)

  • Plus: Net interest expense: $14,021 (2025) | $13,762 (2024)

• Adjusted EBITDA: $187,726 (2025) | $88,716 (2024)

Reconciliation of Net Income to Adjusted Net Income and Adjusted Net Income per Diluted Share

($ in thousands, except for per share numbers)

For the three months ended December 31:

• Net Income: $42,691 (2025) | $25,367 (2024)

  • Discrete tax (benefit) expense¹: ($1,190) (2025) | $951 (2024)

  • Plus: Corporate strategic projects: $1,331 (2025) | $62 (2024)

  • Plus: Loss on extinguishment of line of credit: — (2025) | — (2024)

  • Plus: Fair value adjustment on warrants: — (2025) | — (2024)

  • Plus: Other income, net: ($17) (2025) | ($300) (2024)

• Adjusted net income: $42,815 (2025) | $26,080 (2024)

  • Diluted weighted-average shares outstanding: 35,328 (2025) | 36,174 (2024)

• Adjusted net income per diluted share²: $1.21 (2025) | $0.72 (2024)

For the year ended December 31:

• Net income: $133,130 (2025) | $78,522 (2024)

  • Discrete tax (benefit) expense¹: ($7,668) (2025) | ($14,675) (2024)

  • Plus: Corporate strategic projects: $3,061 (2025) | $312 (2024)

  • Plus: Loss on extinguishment of line of credit: — (2025) | $260 (2024)

  • Plus: Fair value adjustment on warrants: — (2025) | $1,261 (2024)

  • Plus: Other income, net: ($123) (2025) | ($354) (2024)

• Adjusted net income: $128,400 (2025) | $65,326 (2024)

  • Diluted weighted-average shares outstanding: 35,744 (2025) | 35,890 (2024)

• Adjusted net income per diluted share²: $3.59 (2025) | $1.82 (2024)

¹ Adjusted prior periods to include the windfall/shortfall to income tax expense for equity-based compensation.

² Effective March 28, 2025, we performed a 6-for-1 stock split of the Company’s common stock, effected through a stock dividend. Share and per-share amounts have been retroactively adjusted.

Investors should be aware that generally accepted accounting principles prescribe when a company may reserve for particular risks, including litigation exposures. Accordingly, results for a given reporting period could be significantly affected if and when we establish reserves for one or more contingencies. Also, our regular reserve reviews may result in adjustments of varying magnitude as additional information regarding claims activity becomes known. Reported results, therefore, may be volatile in certain accounting periods.

Consolidated Balance Sheets

(As of December 31, 2025 (unaudited) and December 31, 2024, in thousands except per share amounts)

ASSETS

Current Assets:

• Cash and cash equivalents (including amounts held by VIE of $25,921 and $30,899, respectively): $64,054 (2025) | $73,185 (2024)
• Restricted cash, current (including amounts held by VIE of $8,245 and $4,096, respectively): $8,413 (2025) | $4,850 (2024)
• Notes receivable: $283,400 (2025) | $190,665 (2024)
• Allowance for credit losses: ($28,505) (2025) | ($26,103) (2024)
• Notes receivable, net (including amounts held by VIE of $237,062 and $152,174, respectively): $254,895 (2025) | $164,562 (2024)
• Other receivables, net: $6,186 (2025) | $3,629 (2024)
• Prepaid expenses and other current assets: $18,316 (2025) | $11,393 (2024)
• Total current assets: $351,864 (2025) | $257,619 (2024)

Non-Current Assets:

• Internally developed intangible assets, net: $3,331 (2025) | $2,442 (2024)
• Operating right-of-use assets: $665 (2025) | $800 (2024)
• Restricted cash, non-current: $30,134 (2025) | $20,275 (2024)
• Deferred tax asset, net of $0 and $3,742 valuation allowance, respectively: $13,615 (2025) | $16,905 (2024)
• Other assets: $620 (2025) | $331 (2024)
• Total assets: $400,229 (2025) | $298,372 (2024)

LIABILITIES AND STOCKHOLDERS’ EQUITY

Current Liabilities:

• Merchant accounts payable: $56,374 (2025) | $68,967 (2024)
• Other payables (including amounts held by VIE of $1,476 and $1,103, respectively): $6,908 (2025) | $7,455 (2024)
• Deferred revenue: $5,431 (2025) | $4,234 (2024)
• Other current liabilities: $21,053 (2025) | $25,021 (2024)
• Total current liabilities: $89,766 (2025) | $105,677 (2024)

Non-Current Liabilities:

• Operating lease liabilities: $661 (2025) | $823 (2024)
• Line of credit, net of unamortized debt issuance costs of $1,268 and $1,008, respectively, held by VIE: $139,991 (2025) | $103,992 (2024)
• Other non-current liabilities: — (2025) | $45 (2024)
• Total liabilities: $230,418 (2025) | $210,537 (2024)

Stockholders’ Equity*

• Common stock and additional paid-in capital, $0.00001 par value; 750,000 shares authorized; 35,130 and 34,786 shares issued, respectively; 33,798 and 33,735 shares outstanding, respectively: $194,890 (2025) | $188,589 (2024)
• Treasury stock, at cost: 1,332 and 1,051 shares, respectively: ($24,072) (2025) | ($9,391) (2024)
• Accumulated other comprehensive loss: ($683) (2025) | ($1,588) (2024)
• Accumulated earnings (deficit): ($324) (2025) | ($89,775) (2024)
• Total stockholders’ equity: $169,811 (2025) | $87,835 (2024)
• Total liabilities and stockholders’ equity: $400,229 (2025) | $298,372 (2024)

* Effective March 28, 2025, we performed a 6-for-1 stock split of the Company’s common stock, effected through a stock dividend. Share and per-share amounts have been retroactively adjusted.

Consolidated Statements of Operations and Comprehensive Income

(For the years ended December 31, 2025 (unaudited) and December 31, 2024, in thousands except per share amounts)

• Total revenue: $450,279 (2025) | $271,128 (2024)

Operating Expenses:

• Personnel: $54,825 (2025) | $51,765 (2024)
• Transaction expense: $65,961 (2025) | $51,364 (2024)
• Third-party technology and data: $14,441 (2025) | $9,595 (2024)
• Marketing, advertising, and tradeshows: $32,191 (2025) | $9,740 (2024)
• General and administrative: $16,774 (2025) | $11,403 (2024)
• Provision for credit losses: $89,298 (2025) | $55,015 (2024)
• Total operating expenses: $273,490 (2025) | $188,882 (2024)
• Operating income: $176,789 (2025) | $82,246 (2024)

Other Income (Expense):

• Net interest expense: ($14,021) (2025) | ($13,762) (2024)
• Other income, net: $123 (2025) | $354 (2024)
• Fair value adjustment on warrants: — (2025) | ($1,261) (2024)
• Loss on extinguishment of line of credit: — (2025) | ($260) (2024)
• Income before taxes: $162,891 (2025) | $67,317 (2024)
• Income tax expense (benefit): $29,761 (2025) | ($11,205) (2024)
• Net income: $133,130 (2025) | $78,522 (2024)

Other Comprehensive Income (Loss):

• Foreign currency translation adjustment: $905 (2025) | ($941) (2024)
• Total comprehensive income: $134,035 (2025) | $77,581 (2024)

Net Income per Share*:

• Basic: $3.93 (2025) | $2.33 (2024)
• Diluted: $3.72 (2025) | $2.19 (2024)

Weighted-average shares outstanding*:

• Basic: 33,910 (2025) | 33,711 (2024)
• Diluted: 35,744 (2025) | 35,890 (2024)

* Effective March 28, 2025, we performed a 6-for-1 stock split of the Company’s common stock, effected through a stock dividend. Share and per-share amounts have been retroactively adjusted.

Consolidated Statements of Cash Flows

(For the years ended December 31, 2025 (unaudited) and December 31, 2024 (As restated), in thousands)

Operating Activities:

• Net income: $133,130 (2025) | $78,522 (2024)

Adjustments to reconcile net income to net cash provided from operating activities:

• Depreciation and amortization: $1,356 (2025) | $965 (2024)
• Provision for credit losses: $89,298 (2025) | $55,015 (2024)
• Provision for other credit losses: $33,475 (2025) | $10,605 (2024)
• Discount on notes receivable: ($735) (2025) | $460 (2024)
• Equity based compensation and restricted stock vested: $6,520 (2025) | $5,193 (2024)
• Amortization of debt issuance costs: $532 (2025) | $526 (2024)
• Fair value adjustment on warrants: — (2025) | $1,261 (2024)
• Impairment losses on long-lived assets: $68 (2025) | $48 (2024)
• Gain on sale of fixed assets: ($21) (2025) | ($55) (2024)
• Loss on extinguishment of line of credit: — (2025) | $260 (2024)
• Deferred income taxes: $3,290 (2025) | ($16,905) (2024)

Changes in operating assets and liabilities:

• Other receivables: ($36,021) (2025) | ($12,670) (2024)
• Prepaid expenses and other assets: ($6,794) (2025) | ($4,997) (2024)
• Merchant accounts payable: ($13,036) (2025) | ($4,345) (2024)
• Other payables: ($572) (2025) | $1,951 (2024)
• Accrued and other liabilities: ($1,816) (2025) | $13,145 (2024)
• Deferred revenue: $1,193 (2025) | $1,595 (2024)
• Operating leases: $40 (2025) | $74 (2024)
• Net cash provided from operating activities: $209,907 (2025) | $130,648 (2024)

Investing Activities:

• Purchases and originations of notes receivable, net of proceeds from repayments: ($178,874) (2025) | ($89,749) (2024)
• Purchase of property and equipment: ($655) (2025) | ($70) (2024)
• Internally developed intangible asset additions: ($2,040) (2025) | ($1,394) (2024)
• Net cash used for investing activities: ($181,569) (2025) | ($91,213) (2024)

Financing Activities:

• Proceeds from line of credit: $180,860 (2025) | $107,427 (2024)
• Payments to line of credit: ($144,600) (2025) | ($97,427) (2024)
• Payments of debt issuance costs: ($792) (2025) | ($1,106) (2024)
• Proceeds from stock option exercises: $3,731 (2025) | $3,918 (2024)
• Stock subscriptions collected related to stock option exercises: $44 (2025) | $39 (2024)
• Proceeds from warrant exercises: — (2025) | $401 (2024)
• Repurchase of common stock: ($64,655) (2025) | ($23,620) (2024)
• Net Cash Used for Financing Activities: ($25,412) (2025) | ($10,368) (2024)
• Effect of exchange rate changes on cash: $1,365 (2025) | ($1,456) (2024)
• Net increase in cash, cash equivalents, and restricted cash: $2,926 (2025) | $29,067 (2024)
• Cash, cash equivalents, and restricted cash, beginning of period: $98,310 (2025) | $70,699 (2024)
• Cash, cash equivalents, and restricted cash, end of period: $102,601 (2025) | $98,310 (2024)

Noncash investing and financing activities:

• Conversion of accrued profit-sharing incentive plan liabilities to stockholders’ equity: $2,301 (2025) | — (2024)
• Conversion of warrant liabilities to stockholders’ equity: — (2025) | $2,229 (2024)

Supplementary disclosures:

• Interest paid: $15,322 (2025) | $14,047 (2024)
• Federal income taxes paid: $21,040 (2025)
• State income taxes paid: $6,640 (2025)
• Foreign income taxes paid: $385 (2025)
• Total income taxes paid: $28,065 (2025) | $4,766 (2024)

Investor Relations Contact

Jack Fagan
+1 651 240 6001
InvestorRelations@sezzle.com

Media Contact

Erin Foran
+1 651 403 2184
erin.foran@sezzle.com

About Sezzle

Sezzle is a forward-thinking fintech company committed to financially empowering the next generation. Through its purpose-driven payment platform, Sezzle enhances consumers’ purchasing power by offering access to point-of-sale financing options and digital payment services — connecting millions of customers with its global network of merchants. Centered on transparency, inclusivity, and ease of use, Sezzle empowers consumers to manage spending responsibly, take charge of their finances, and achieve lasting financial independence.

For more information visit sezzle.com.

Forward Looking Statements

This press release contains forward-looking statements within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended. We have based these forward-looking statements largely on our management’s current expectations and projections about future events and financial trends affecting the financial condition of our business.

Forward-looking statements generally can be identified by the use of words such as “anticipate,” “expect,” “plan,” “could,” “may,” “will,” “believe,” “estimate,” “forecast,” “goal,” “project,” other words or expressions of similar meaning (or the negative versions of such words or expressions). These forward-looking statements address various matters including the timing and nature of anticipated new products, our business strategy, future operations, financial performance or other future events. These forward-looking statements are subject to risks and uncertainties that could cause actual results to differ materially from those expressed or implied. Applicable risks and uncertainties include, among others: impact of the “buy-now, pay-later” (“BNPL”) industry becoming subject to increased regulatory scrutiny; impact of operating in a highly competitive industry; impact of macro-economic conditions on consumer spending; our ability to increase our merchant network, our base of consumers, and gross merchandise value (GMV); our ability to effectively manage growth, sustain our growth rate and maintain our market share; our ability to maintain adequate access to capital in order to meet the capital requirements of our business; impact of exposure to consumer bad debts and insolvency of merchants; our ability to comply with the applicable requirements of Visa and other payment processors; impact of the integration, support and prominent presentation of our platform by our merchants; impact of any data security breaches, cyberattacks, employee or other internal misconduct, malware, phishing or ransomware, physical security breaches, natural disasters, or similar disruptions; impact of key vendors or merchants failing to comply with legal or regulatory requirements or to provide various services that are important to our operations; our ability to protect our intellectual property rights and third party allegations of the misappropriation of intellectual property rights; impact of the costs of complying with various laws and regulations applicable to the BNPL industry in the United States and Canada; the impact of litigation, regulatory investigations and actions, and compliance issues on our business; significant and sudden declines or volatility in the trading price of our common stock and market capitalization; and other factors identified in the “Risk Factors” section of our most recent Annual Report on Form 10-K (the “Annual Report”) and the Company’s subsequent filings filed with the SEC. Investors should not place undue reliance on forward-looking statements contained in this press release, including any accompanying attachments or oral forward-looking statements that we or persons acting on our behalf may issue, which, except as otherwise noted, speak only as of the date of this press release. Except as required by law, we undertake no obligation to update or revise any forward-looking statements contained in this press release, any accompanying materials, or oral forward-looking statements made in connection with this press release.

Non-GAAP Financial Measures

To supplement our operating results prepared in accordance with generally accepted accounting principles in the United States (“GAAP”), we present the following non-GAAP financial measures: Total revenue less transaction related costs; transaction related costs; non-transaction related operating expenses; adjusted net income; adjusted net income margin; adjusted net income per diluted share; adjusted earnings before interest, taxes, depreciation, and amortization (“Adjusted EBITDA”); and Adjusted EBITDA margin. Definitions of these non-GAAP financial measures and summaries of the reasons why management believes that the presentation of these non-GAAP financial measures provide useful information to the Company and investors are as follows:

• Total revenue less transaction related costs is defined as GAAP total revenue less transaction related costs. Transaction related costs is the sum of GAAP transaction expense, provision for credit losses, and net interest expense less certain non-recurring charges as detailed in the reconciliation table of GAAP operating income to non-GAAP total revenue less transaction related costs above. We believe that total revenue less transaction related costs is a useful financial measure to both management and investors for evaluating the economic value of orders processed on the Sezzle Platform.
• Non-transaction related operating expenses is defined as the sum of GAAP personnel; third-party technology and data; marketing, advertising, and tradeshows; and general and administrative operating expenses. We believe that non-transaction related operating expenses is a useful financial measure to both management and investors for evaluating our management of operating expenses not directly attributable to orders processed on the Sezzle Platform.
• Adjusted EBITDA is defined as GAAP net income, adjusted for certain charges including depreciation, amortization, equity and incentive–based compensation, and corporate strategic project costs, as well as net interest expense as detailed in the reconciliation table of GAAP net income to adjusted EBITDA. We believe that this financial measure is a useful measure for period-to-period comparison of our business by removing the effect of certain non-cash and non-recurring charges, as well as funding costs, that may not directly correlate to the underlying performance of our business.
• Adjusted EBITDA margin is defined as Adjusted EBITDA divided by GAAP total revenue. We believe that this financial measure is a useful measure for period-to-period comparison of our business’ unit economics by removing the effect of certain non-cash and non-recurring charges, as well as funding costs, that may not directly correlate to the underlying performance of our business.
• Adjusted net income is defined as GAAP net income, adjusted for certain charges including discrete tax items, fair value adjustments on warrants, losses on the extinguishment of our lines of credit, corporate strategic project costs, and other income and expense, as detailed in the reconciliation table of GAAP net income to adjusted net income. We believe that this financial measure is useful for period-to-period comparison of our business by removing the effect of certain charges that, in management’s view, does not correlate to the underlying performance of our business during a given period.
• Adjusted net income margin is defined as Adjusted net income divided by GAAP total revenue. We believe that this financial measure is a useful measure for period-to-period comparison of our business by removing the effect of certain charges that, in management’s view, does not correlate to the underlying performance of our business during a given period.
• Adjusted net income per diluted share is defined as non-GAAP adjusted net income divided by GAAP weighted-average diluted shares outstanding. We believe that this financial measure is a useful measure for period-to-period comparison of shareholder return by removing the effect of certain charges that, in management’s view, does not correlate to the underlying performance of our business during a given period.

Additionally, we have included these non-GAAP measures because they are key measures used by our management to evaluate our operating performance, guide future operating plans, and make strategic decisions, including those relating to operating expenses and the allocation of resources. Therefore, we believe these measures provide useful information to investors and other users of this press release to understand and evaluate our operating results in the same manner as our management and board of directors. However, non-GAAP financial measures have limitations, should be considered supplemental in nature, and are not meant as a substitute for the related financial information prepared in accordance with U.S. GAAP. These limitations include the following:

• Total revenue less transaction-related costs is not intended to be measures of operating profit or cash flow profitability as they exclude key operating expenses such as personnel, general and administrative, and third-party technology and data, which have been, and will continue to be for the foreseeable future, significant recurring GAAP expenses.
• Transaction related costs exclude significant expenses such as personnel, general and administrative, and third-party technology and data, which have been, and will continue to be for the foreseeable future, significant recurring GAAP expenses.
• Non-transaction related operating expenses exclude significant expenses, including transaction expense and provision for credit losses, which have been, and will continue to be for the foreseeable future, significant recurring GAAP expenses.
• Adjusted EBITDA and adjusted EBITDA margin exclude certain charges such as depreciation, amortization, and equity and incentive–based compensation, which have been, and will continue to be for the foreseeable future, recurring GAAP expenses. Further, these non-GAAP financial measures exclude certain significant cash inflows and outflows, which have a significant impact on our working capital and cash.
• Adjusted EBITDA and adjusted EBITDA margin excludes net interest expense, which has a significant impact on our GAAP net income, working capital, and cash.
• Adjusted net income, adjusted net income margin, and adjusted net income per diluted share excludes certain charges such as losses on the extinguishment of our lines of credit, fair value adjustments on our warrants, other income and expense, and discrete tax items which have been, and may be in the future, recurring GAAP expenses. Further, these non-GAAP financial measures exclude certain significant cash inflows and outflows, which have a significant impact on our working capital and cash.
• Long-lived assets being depreciated or amortized may need to be replaced in the future, and these non-GAAP financial measures do not reflect the capital expenditures needed for such replacements, or for any new capital expenditures or commitments.
• These non-GAAP financial measures do not reflect income taxes that may represent a reduction in cash available to us.
• Non-GAAP measures do not reflect changes in, or cash requirements for, our working capital needs.
• Other companies, including companies in our industry, may calculate the non-GAAP financial measures differently or not at all, which reduces their usefulness as comparative measures.

Because of these limitations, you should not consider these non-GAAP financial measures in isolation or as substitutes for analysis of our financial results as reported under GAAP, and these non-GAAP financial measures should be considered alongside other financial performance measures, including net income and other financial results presented in accordance with GAAP. We encourage you to review the related GAAP financial measures and the reconciliations of these non-GAAP financial measures to their most directly comparable GAAP financial measures and not rely on any single financial measure to evaluate our business.

Endnotes

¹ Per diluted share figures reflect 6-for-1 common stock split effective March 28, 2025.
² See appendix for a reconciliation of non-GAAP financial measures.³ See appendix for a reconciliation of non-GAAP financial measures.
⁴ Per diluted share figures reflect 6-for-1 common stock split effective March 28, 2025.
⁵ See appendix for a reconciliation of non-GAAP financial measures.
⁶ See appendix for a reconciliation of non-GAAP financial measures.
⁷ Per diluted share figures reflect 6-for-1 common stock split effective March 28, 2025.
⁸ See appendix for a reconciliation of non-GAAP financial measures. FY2026 Non‑GAAP adjusted financial guidance reflects add-backs for estimated FY2026 expenses associated with Corporate Strategic Projects.
⁹ Per diluted share figures reflect 6-for-1 common stock split effective March 28, 2025.
¹⁰ A session occurs when a Sezzle Consumer opens the Sezzle app and ends after 30 minutes of inactivity.
¹¹ Length of loan and APR varies by user and merchant offering and is determined by Sezzle’s long-term lending partner.
¹² See appendix for a reconciliation of non-GAAP financial measures.
¹³ See appendix for a reconciliation of non-GAAP financial measures.

Beauty of Japan, a Japanese destination management company, is positioning the Ishikawa Prefectural Library as a global case study in civic architecture after the library recorded record-breaking visitor numbers for two consecutive years, making it the most visited prefectural library in Japan.

The library received about 1.19 million visitors in fiscal year 2024, up 166,786 from the previous year, continuing to be the best in the nation, according to figures released by the Japan Library Association. Less than three years after its initial opening, the total number of visitors reached more than 3 million in March 2025. This growth has persisted to the current fiscal year, with 579,406 visitors recorded as at the end of August 2025, compared to 489,055 the previous year, that is a 90,351 year on year growth which means that the prefecture is on track to achieve its strategic goal of 1.2 million visitors annually.

A major surge happened way beyond its local audience in July 2022 when the Ishikawa Prefectural Library opened in Kanazawa City. The scale and frequency of the visits have rendered the place a source of exit in the arguments concerning the future of the civic cultural institutions particularly in the period when most libraries and civic spaces in the world are confronted by the challenge of survival.

The library, which opened during the post-pandemic era, was envisioned as a social space that promotes conversation and lingering as a place to rediscover face-to-face interaction and a sense of common life shared by the general population that was hindered during the pandemic.

The performance is directly associated with the functioning and design model of the library. It was built by an architect known as Mitsuru Senda who did not conform to the image of a library as being an extremely quiet and rigid place. Instead it deals with openness, flexibility, and visual interactions.

This building has a big circular atrium at the center with terraced bookshelves in concentric rings commonly referred to as the Hyakumangoku Biblio Baum. The space makes the picture look like rings on trees, which are the symbols of life and continuity. However, the space is designed in such a way that encourages exploration and interaction with the shape rather than categorizing. It is housed in an open stack with outward facing cover and overall the collection of approximately 300,000 books has had over 1.07 million books with an underground large storage.

Photography and conversation can also be used in most parts of the building as compared to the traditional library set up. It has some silent reading rooms, family-friendly areas, as well as adjustable seats that go together with each other to enable the visitors of different ages and intentions to approach the space differently. The library also comes in handy in some practical urban applications where the building is employed as a formal public cooling refuge in hot summer weather and an undeterred place when Kanazawa is littered with snow.

The Ishikawa Prefectural Library has been gradually built in a more expansive architectural layout which makes Kanazawa one of the best cities in Japan in relation to modernist designing of publicity. The other local sightseeing spot is the designs of the 21st Century Museum of Contemporary Art, designed by SANAA, which has received global recognition since its open circular shape reconstituted the relationship between the museum and the city and the populace.

These institutions, such as accumulated, show how Ishikawa Prefecture has had the opportunity to handle architecture as long term civic infrastructure rather than spectacle. The area has increased the generation of interaction and ensured that the usage has remained one of the continual growths through human focused design, usability and flexibility.

This is becoming a popular trend that is getting increased attention in the inbound travel industry. Takahiro Noguchi, the CEO of Beauty of Japan, believes that the popularity of the library is the sign of the more interest of the world in the place where architecture and culture integrate with ordinary life. Kanazawa is positioned between Tokyo and Kyoto and is directly connected by the bullet train and has been more approachable with the emphasis on space and continuity since it is not a one destination attraction like the space that can be occupied by a large user base such as children and the aged.

The issues surrounding the sustainability of architecture in the long term in urban centers worldwide in search of sustainable patterns that would transform civic institutions is increasingly becoming a case study to emulate as to how architecture can become a driver of interaction in an experience-based economy.

About Beauty of Japan

Beauty of Japan (BOJ, Inc.) is a Tokyo-based travel company that focuses on designing and operating premium travel experiences of the American, European, and Australian travelers who visit Japan. As a partner of Virtuoso, an international luxury travel agency, BOJ collaborates with local partners around the globe in order to provide culturally rich, tailor-made travels across the Japanese territory. For more information, visit bojinc.com.

Media Contact

Takahiro Noguchi
info@bojinc.com
+81 3-6682-7779

The new Fishing Points app update has introduced expanded nautical maps, integrated rain radar, enhanced severe weather alerts and access to real-time river flow data from more than 35,000 stations across the United States. The update is now available on iOS and focuses on improving environmental visibility for both coastal and inland anglers.

Expanded Nautical Maps and Lake Depth Coverage

Among the most notable additions are expanded lake depth and contour maps covering numerous U.S. lakes. This includes areas in Florida, Minnesota, Nebraska, New Hampshire, North Dakota, Washington and parts of the Great Lakes region. These enhancements provide more detailed underwater structure mapping. This helps anglers better understand bottom contours, drop-offs, submerged vegetation zones and habitat transitions that often influence fish holding patterns.

Improved map layering tools allow users to overlay additional environmental data, while enhanced distance measuring tools support more precise navigation and route planning. New points of interest (POIs) can now be saved and shared within the platform. This improves coordination for group trips and tournament preparation.

Fishing Tides and Environmental Planning Tools

Access to accurate fishing tides data remains central to trip planning for coastal anglers. The updated fishing app continues to provide tide schedules alongside wind forecasts, temperature data and solunar activity predictions. This enables users to evaluate multiple environmental variables in one interface.

Tidal movement plays a critical role in fish behavior. This influences feeding windows and habitat access. By combining fishing tides information with short-term weather forecasts and radar imagery, anglers can better assess optimal timing for their outings and adjust plans as environmental conditions evolve throughout the day.

Integrated Rain Radar and Severe Weather Alerts

The platform now also integrates rain radar directly within its forecast interface. This enhancement reflects broader advances in weather prediction technology. This allows users to monitor approaching precipitation systems and shifting conditions in real time.

Expanded hourly weather details now include wind gust data and precipitation intensity, while severe weather alerts have been refined to provide clearer notifications when hazardous conditions develop. These updates aim to improve situational awareness and safety for anglers planning trips in coastal waters, large reservoirs and fast-moving rivers.

Real-Time River Flow and Water Level Monitoring

One of the most significant additions for inland anglers is the integration of real-time water levels and river flow information from more than 35,000 monitoring stations. River systems can change rapidly due to rainfall, snowmelt or dam releases, and fluctuating flow rates often impact fish positioning as well as boating safety.

By consolidating river flow data with mapping and forecast layers, the fishing app provides freshwater anglers with improved insight into changing water conditions before they arrive on site. This supports both efficiency and on-the-water safety awareness.

Digital Tools and the Future of Fishing Planning

Industry observers note that digital platforms are playing an increasingly important role in how anglers prepare for trips. Modern fishing often requires monitoring multiple environmental indicators simultaneously including tides, atmospheric pressure, wind patterns and water temperatures.

Advances in weather prediction, combined with detailed bathymetric mapping and hydrological monitoring, are helping anglers move beyond static forecasts toward continuously updated environmental intelligence. The integration of these tools into a single fishing app reflects a broader shift toward data-informed outdoor recreation.

While no platform can guarantee fishing success, access to comprehensive environmental data may help reduce uncertainty, support responsible trip planning and improve overall preparedness. By expanding mapping coverage, strengthening severe weather alerts and integrating river monitoring systems, Fishing Points’ latest update aligns with the growing demand for reliable, location-specific fishing tides and forecast tools within the recreational fishing community.

The updated version of the app is now available through the iOS App Store.

GPS Investment Fund Limited has launched Arkus™, a new property investment fund that has already reached $1 million in investor contributions. The fund is designed to make real estate investing accessible to everyday Australians, allowing investors to start with as little as $1.

Arkus provides flexible contributions on a weekly, fortnightly, or monthly basis, with monthly withdrawal options, and targets an annual return of 6.5%. The fund leverages GPS Investment Fund’s 30 years of experience in property-backed mortgage investments, which includes a record of no retail investor capital losses. This disciplined approach underpins Arkus, extending the company’s proven risk management practices to a broader retail investor base.

“Arkus is about lowering the barriers to smart investing,” said Shelby Clark, chief operating officer of GPS Investment Fund Limited. “We believe everyone should have the opportunity to build wealth through real assets. With Arkus, Australians can start small, grow steadily, and maintain access to their funds without being locked in long term.”

Richard Woodhead, founder and managing director of GPS Investment Fund Limited added, “The launch of Arkus marks a significant milestone in our mission to make financial growth more inclusive. We’re extending the same reliability GPS Invest is known for to a new generation of investors through a modern, easy-to-use platform offering accessibility and flexibility.”

Arkus allows Australians to access income-generating property-backed investment opportunities without the need to directly own or manage property. The fund targets both experienced and first-time investors seeking a practical, approachable entry point into property investment, particularly in a period of cost-of-living pressures.

About GPS Invest

GPS Investment Fund Limited (GPS Invest) is the responsible entity of a specialist private lending funds group based in Brisbane, Queensland. Established by founder and managing director Richard Woodhead, the GPS group has its roots in originating and managing registered first mortgages in the residential construction and development sector of South East Queensland, beginning in 1994. GPS Invest holds Australian Financial Services Licence No. 383080, issued by the Australian Securities and Investments Commission (ASIC), and is committed to delivering disciplined secured lending strategies, robust governance, and consistent outcomes for investors. For more information, visit gpsinvest.com.au. or call 1800 999 109.

Disclaimer

This announcement contains general information only and does not take into account your personal objectives, financial situation, or needs. You should consider whether the investment is appropriate for you and seek independent financial advice if required. The target return of 6.5% per annum is not guaranteed. All investments carry risk, including the potential loss of capital. Past performance is not a reliable indicator of future performance. Investors should consider the Product Disclosure Statement (PDS) before making any investment decision. The PDS, available at gpsinvest.com.au/resources, contains important information about the fund’s features, risks, and fees.

Media Contact

GPS Investment Fund Limited
info@gpsinvest.com.au

Andreozzi + Foote has filed a federal civil rights lawsuit in the United States District Court for the Middle District of Pennsylvania (Case No. 1:26-cv-00471-YK) on behalf of Sandra Esther Jusino, administrator of the estate of Yadriel Rivera Jusino. The lawsuit asserts federal civil rights claims, along with wrongful death and survival claims under Pennsylvania law, against the Lebanon School District and multiple school officials, seeking to hold them accountable for their alleged deliberate indifference to repeated and known reports of race-based and disability-based bullying in the years leading up to Yadriel’s death.

Yadriel died by suicide on June 3, 2024. He was 12 years old.

Born in Puerto Rico, Yadriel primarily spoke Spanish. He attended schools in the Lebanon School District from 2020 until his death in 2024. He received special education services under an individualized education program, or IEP, due to dyslexia, which district officials were aware of.

The complaint alleges that the bullying, which included physical assaults and discriminatory taunts, was due in part to his race as a Latino student, and his disability, dyslexia. The filing alleges that school administrators had actual knowledge of the bullying but failed to meaningfully investigate or intervene as required by district policy and federal law.

Allegations of Repeated Reports Without Action

The complaint alleges that in September 2022, Yadriel reported being physically assaulted and bullied to a school counselor. That report was documented in school records. The defendants allegedly did not follow up on this report.

During the 2023–2024 school year, Yadriel’s sister allegedly reported discriminatory bullying directly to the school principal. According to the suit, he told Yadriel and his sister that he would take some action to help, including contacting Yadriel’s parents, but he did not do so. Yadriel’s stepfather also made multiple reports to school administrators during the 2023-2024 school year, including the assistant principal and a social worker. There was no follow up or investigation, according to the complaint.

The lawsuit alleges that even with these repeated complaints, the defendants took no meaningful action in response to these entreaties for help. The complaint further alleges that as a result of the bullying, Yadriel took his own life. According to the lawsuit, despite a documented 2022 report of bullying and additional reports from Yadriel’s sister and stepfather in 2023 and 2024, the principal recorded a notation in Yadriel’s school file the day after his death indicating there were no documented reports of concerns. According to the filing, that notation was untrue, as school records reflect at least one prior documented report, while reports made by family members were not reflected in the official record.

The lawsuit names the Lebanon School District as well as individual school officials and seeks to hold them legally liable under federal civil rights law for the alleged failures that caused Yadriel’s death.

Alleged Violations of Federal Civil Rights and Disability Laws

Despite clear policy requirements, the lawsuit alleges that complaints about Yadriel’s bullying were not investigated promptly, nor was any appropriate corrective or preventative action taken.

The federal complaint asserts claims under:

• Violation of Title VI of the Civil Rights Act (race discrimination)
• Violation of the Equal Protection Clause of the Fourteenth Amendment, 42
  U.S.C. § 1983
• Failure to train under 42 U.S.C. § 1983
• Violation of the Americans with Disabilities Act (ADA)
• Violation of § 504 of the Rehabilitation Act
• Pennsylvania wrongful death and survival statutes

“We believe this tragedy was preventable,” said Nathaniel L. Foote, partner at Andreozzi + Foote. “When a school district receives repeated reports that a child is being targeted because of his race and disability, the law requires action. Schools cannot ignore documented complaints and clear warning signs. The consequences of inaction can be devastating.”

The lawsuit demands a jury trial.

“Families should be able to trust that when they report discriminatory bullying, school officials will investigate and protect their child. When schools fail to act, the consequences can be irreversible.” Foote added.

About Andreozzi + Foote

Andreozzi + Foote is one of the nation’s leading sexual abuse law firms with a history of representing survivors in cases against large and powerful organizations including Penn State University, the Boy Scouts of America, and the Catholic Church. The trauma-informed Pennsylvania-based sexual abuse lawyers at Andreozzi + Foote are committed to obtaining life-changing results for victims and their families. Managing Partner Ben Andreozzi hosts "Justice Interrupted," a podcast that gives survivors of child abuse and their advocates a national platform. For more information, visit www.victimscivilattorneys.com.

Media Contact

Maria Smith
Andreozzi + Foote
marias@vca.law
+1 717-807-5808

RubiScore Limited, the company behind RubiScore, today announced an agreement with Stats Perform, the global leader in sports data and AI, to power RubiScore’s football data coverage across multiple major competitions using Opta data. The partnership reinforces RubiScore’s long-term commitment to delivering reliable, consistent, and high-integrity football data for fans worldwide.

RubiScore is built for speed and clarity — helping users follow football live scores, results, fixtures, standings, and team/player information in real time. By integrating Stats Perform’s football data, RubiScore strengthens the foundation that supports match experiences across its platform — aiming to reduce data discrepancies, improve coverage consistency, and elevate confidence in what users see.

“Trust is everything in live football coverage,” said a RubiScore spokesperson. “This agreement with Stats Perform reflects our focus on data credibility and long-term reliability, so fans can rely on RubiScore for timely, accurate match information across important leagues and competitions.”

The collaboration supports RubiScore’s broader mission: building a scalable football live score destination with multi-language experiences for international audiences, while prioritizing data quality, uptime, and user trust.

About RubiScore Limited

RubiScore Limited is the company behind RubiScore, a global football live score and sports data platform built to deliver fast, accurate, and user-friendly match information. RubiScore helps fans follow football live scores, results, fixtures, league tables, and team/player insights across major competitions worldwide. With a scalable data infrastructure, RubiScore is developing a trusted destination for real-time football coverage and multi-language experiences for international audiences. For more information, visit rubiscore.com.

Media Contact

Media Relations
RubiScore Limited
touch@rubiscore.com

upGrad, Asia's leading integrated skilling and workforce development company, today announced the acquisition of Internshala, the world’s largest early-talent marketplace, for an undisclosed amount — in a 90% stock-swap transaction.

The acquisition strengthens upGrad’s position across the full career lifecycle — connecting education, skilling, and employment on a single platform. Founded in 2010, Internshala has built a community of over 34 million registered users and 450,000 employers, with approximately 3 million active applicants annually. 
The platform sees most of its traffic organically and serves students across India, including more than 40% from Tier 2 and Tier 3 markets.

With the integration, upGrad reinforces its commitment to building structured ecosystems for learners and employers, enabling students to discover internships, build job-ready skills, and transition into full- time roles more efficiently. To fuel this growth, upGrad will invest additional resources to accelerate product innovation, AI-led talent matching, and enterprise hiring models, with a target to scale Internshala’s ₹45 crore revenue base to ₹100 crore and beyond.

Commenting on this acquisition, Chirag Samdaria, head of corporate strategy and growth at upGrad, said, “Education and employment in India have operated in silos for too long. This acquisition allows us to strengthen the earliest layer of the career journey — where intent is highest and outcomes can be meaningful. By bridging work opportunities with structured skilling, we are building a more aligned talent ecosystem for both learners and employers.”

Internshala will continue to operate as an independent brand, led by its founder and CEO, Sarvesh Agrawal, leveraging upGrad’s scale, technology, and learning ecosystem to expand its offerings and reach.

“This is a very natural partnership where learning meets opportunity. In the last 15 years, Internshala has democratized career start for students. Joining hands with upGrad will allow us to amplify our impact by skilling millions of candidates, offer pre-trained talent to companies at scale, and together become the default launchpad for every graduate's career,” added Agrawal. Investec acted as exclusive financial advisor to Internshala.

This acquisition marks a key milestone in upGrad’s mission to power India’s skilling economy — supporting millions of learners and organisations through career-aligned education and employment pathways.

About upGrad

Founded in 2015, upGrad is Asia’s leading integrated skilling and workforce development company, powering the complete learning cycle for individuals. It offers a range of online and hybrid skilling programs and certifications through its B2C portfolio and partners with top Indian and global universities to offer diploma, master’s, and executive doctorate programs, with all degrees awarded solely by the respective universities. The company supports learners at every career stage — from first job to boardroom. Additionally, select programs are tailored for enterprise clients through its corporate skilling division, along with recruitment and staffing services. For more details, visit www.upgrad.com.

About Internshala 

Internshala is the world’s largest early-career marketplace, with 35 million registered users and 70,000 companies. Founded by two IIT Madras alumni, Internshala is democratizing career starts for students in India without requiring prior experience or access. Learn more at internshala.com.

Media Contact

Shirin Gupta
upGrad
shirin.rai@upgrad.com

Lucra, the leading social competition platform, today announced a partnership with Epic Padel — the Virginia-based padel club operator, padel investor and incubator. Through the collaboration, Lucra will integrate its gamification platform directly into Zero.40, the padel booking and club management app incubated by Epic Padel, enabling real-money and free-to-play competitions across all Epic Padel locations and every operator that white-labels Zero.40 across the United States.

Padel has become the world's fastest-growing sport, now played by more than 30 million people across 130 countries, and the U.S. market is just beginning to hit its stride. Epic Padel has positioned itself at the center of that growth, not only operating premium clubs but actively investing in and incubating padel ventures across the country. By embedding Lucra directly into Zero.40, competitive gameplay travels with the platform to every operator that runs it, making this both a direct club deployment and a meaningful distribution relationship with reach well beyond Epic's own footprint.

Launching this spring across Epic Padel's clubs in Tyson's Corner, Virginia; Richmond, Virginia; Milwaukee; and Charlotte, players will be able to compete in real-money and free-to-play tournaments and games, with all compliance, payments, fraud prevention, and settlement handled automatically by Lucra's plug-and-play SDK. The full feature suite, including peer-to-peer challenges, group competitions, and structured tournament formats, integrates directly into the Zero.40 app, giving players a reason to stay, play, and keep coming back.

"Padel is one of the most exciting growth stories in sports right now, and Epic Padel is building the infrastructure to own that moment in the U.S.," said Dylan Robbins, CEO of Lucra. "What makes this partnership particularly compelling is the dual nature of it. We're not just deploying at their clubs, we're also becoming part of how Epic grows the broader ecosystem. Every operator that runs on Zero.40 is a new venue where players can compete for real money or rewards through Lucra. That's a flywheel that scales with the sport itself."

For Epic Padel and Zero.40, the Lucra integration deepens the club experience without adding operational burden. Players can enter competitions directly from their phones before they even step on court, track their standing on live leaderboards mid-match, and collect winnings or convert them to credits for future play, creating a loyalty loop that drives repeat visits and extends the time and money players spend per session.

"Padel is inherently social, and the players who find it never want to stop playing. Lucra gives us a way to reward that loyalty in real time, turning every visit into a reason to come back. Whether someone is competing for cash or just bragging rights, the experience becomes more meaningful the moment there's something at stake," said Hala Sarkis, co-founder and CEO of Epic Padel.

"Zero.40 was built to be the operating system for padel clubs in America, and Lucra fits naturally into that infrastructure. Every operator that white-labels Zero.40 now gets a best-in-class competition engine out of the box. That's a meaningful upgrade for the entire network, and it's the kind of value-add that makes Zero.40 a more compelling platform for operators to build on," said Kareem Anabtawi, co-founder and CIO of Epic Padel.

"From a technical standpoint, the Lucra integration was exactly what Zero.40 needed to complete the player experience. We handle the booking, the analytics, the community, and now Lucra handles the competition and rewards layer. Together the platform gives operators everything they need to keep players engaged from the moment they book a court to the moment they cash out their winnings," said Ali Hammadi, CTO of Zero.40.

The partnership also underscores Lucra's growing presence in racquet sports, following its recent collaboration with Save My Play across tennis and pickleball courts. By embedding competition infrastructure at the platform level through Zero.40 rather than requiring standalone integrations, Lucra gives operators across the network the ability to launch gamified experiences in weeks, not months, and keep the competitive energy inside their own ecosystem.

The partnership will roll out this spring across all Epic Padel locations. As Zero.40 expands its operator network, Lucra's competition infrastructure will be available at every new venue it powers, extending the partnership's reach with each new club that comes online.

About Lucra

Lucra is a plug-and-play SDK that integrates into apps or websites, enabling peer-to-peer competitions with real-money or rewards. It handles compliance, payments, fraud prevention, and settlement out of the box, so partners can instantly offer gamified experiences without building or managing complex infrastructure themselves. Top entertainment, hospitality, and consumer brands, including Five Iron Golf, Puttshack, Backyard Sports, Chess Kings, TouchTunes, and more, use Lucra's white-label technology to power tournaments and challenges, build loyalty, and drive new revenue. Learn more at www.lucrasports.com.

About Epic Padel

Epic Padel is a Virginia-based Padel Club Operator, Padel Investor & Incubator dedicated to accelerating the growth of padel across the United States. Backed by a $10 million seed round led by NowaisWorld and Stryde Ventures, Epic Padel combines premium club operations with an investment and incubation platform supporting the next wave of padel innovation. The company also incubated Zero.40, a fully integrated padel member app that combines smart court booking, player analytics, ratings, and community engagement, and white-labels its platform to padel operators across the country. With a national expansion underway and a growing network of club and operator partners, Epic Padel is building the infrastructure for padel's American moment. Learn more at www.epic-padel.com.

Media Contact

Michael Madding
Chief Operating Officer, Lucra
michael@lucrasports.com

Unlisted, a groundbreaking digital real estate community focused on the 98% of homes that are not for sale yet, is spotlighting the personal approach and market insight behind JB Hayes, a real estate advisor with Briggs Freeman Sotheby’s International Realty serving Dallas ZIP codes 75201, 75204, 75219, 75229, and 75244.

A longtime Dallas resident and former corporate executive, Hayes brings more than 25 years of strategic leadership, organizational expertise, and relationship-building to her real estate practice. Since joining Briggs Freeman Sotheby’s International Realty, she has earned recognition as a Rising Star and Top Producer, received the Martha Miller Fellowship Award, and become a significant source of referrals within the Sotheby’s International Realty global network.

One of Hayes’ most notable recent achievements reflects the long-term trust she builds with clients. After interviewing with a seller two years prior, she was selected when the timing was right, leading to three listings on the same block of the 3900 block in ZIP code 75219. One closed in 2025, a second closed in January 2026, and a third is expected to sell in the first quarter of the year. The momentum illustrates how preparation, patience, and consistent follow-through can translate into real results.

Hayes has also distinguished herself in competitive buyer scenarios. In multiple-offer situations within the $850,000 to $4 million range, she has successfully helped clients secure homes without paying over list price, even when competing against stronger financial profiles. By focusing on seller priorities and structuring complete, compelling offers, Hayes demonstrates that winning does not always mean paying the most, but rather presenting the strongest overall package.

Her marketing approach continues to evolve alongside the market. As a host on American Dream TV, Hayes has leaned into video marketing, pushing herself beyond her comfort zone and expanding her reach across Dallas. What began as a challenge has become a defining strength, with Hayes now confidently using video, YouTube, AI, and social media to showcase listings. She curates a dedicated playlist of listing videos on her channel, allowing prospective sellers to see firsthand how their homes would be marketed.

“My goal is to bring clarity, strategy, and collaboration to every transaction,” said Hayes. “Real estate should not feel like a win or lose scenario. When everyone is aligned, from the lender to the title company to the agent on the other side, the outcome is stronger for everyone involved.”

That philosophy aligns closely with Unlisted’s mission to create more transparency and connection throughout the real estate journey. The platform uses publicly available data to generate digital profiles for every home in the country, allowing buyers to explore opportunities beyond traditional listings and homeowners to better understand interest over time.

Hayes’ service model is defined by white-glove support, not only for buyers and sellers, but for the full transaction team. By combining innovative marketing, thoughtful negotiation, and emerging technology, she delivers a collaborative experience designed to protect value and reduce friction at every stage.

“JB brings a rare blend of strategy, creativity, and care to her work,” said Katie Hill, founder and CEO of Unlisted. “Her ability to guide clients through competitive situations while maintaining a collaborative mindset makes her a trusted advisor and a strong partner within our Dallas network.”

As she continues to grow her presence across Dallas, Hayes remains focused on leveraging technology, media, and strategy to deliver informed guidance and meaningful results, reinforcing that who you work with truly does matter.

To learn more about Unlisted, visit UnlistedHomes.com. For Unlisted for Agents, visit UnlistedHomes.com/Agents. To learn more about JB Hayes, visit her Unlisted Profile or her website.

About Unlisted

Unlisted unlocks the potential in homes that aren’t for sale — yet. The company empowers home buyers to join the Waitlist for homes they love that aren’t for sale — in other words, unlisted. At the same time, homeowners collect a Waitlist of interested buyers for whenever the time comes to sell, giving everyone a head start. Unlisted also allows homeowners to control how their home is presented online; they can create a stunning up-to-date property profile that shows off the home’s best features and attracts more interest. With more time and more connection, Unlisted is a more human way to explore real estate that drives better outcomes for all. Selected for TechCrunch’s 2025 Startup Battlefield 200 as one of the top tech startups globally, and backed by HearstLab, Hearst Newspapers, VC414, StageNext Fund, and prominent angel investors, Unlisted gives buyers a competitive edge in today’s challenging housing market. For more information, visit UnlistedHomes.com.

Media Contact

Maura Racz
maura@unlistedinc.com

Unlisted, a groundbreaking digital real estate community focused on the 98% of homes that are not for sale yet, is spotlighting the personal perspective and advisory leadership behind Joy Denton, a senior global real estate advisor with Sotheby’s International Realty. Joy exclusively represents clients across Beverly Hills and select Los Angeles ZIP codes, including 90210, 90024, 90049, and 90077.

Joy is among the top 5% of real estate agents nationwide, recognized in the 2025 RealTrends Verified Rankings, and consistently ranked among the Top 100 agents worldwide at Sotheby’s International Realty. A longtime Beverly Hills resident, she brings deep local knowledge, disciplined negotiation, and trusted discretion to every client relationship. She was also among the first agents in the country to partner with Unlisted, helping shape the platform’s early growth and now serving as its exclusive representative for these ZIP codes.

Over the past year, Joy’s work has reflected not only market leadership, but a deep sense of responsibility to the communities she exclusively serves across Beverly Hills and neighboring Los Angeles areas. One of her most meaningful accomplishments involved advising clients through land sales in Pacific Palisades following the devastating Los Angeles fires. In a period marked by uncertainty and emotional complexity, these transactions focused on helping families, long-time residents, and investors take thoughtful steps toward rebuilding and recovery.

“In those moments, the role of an advisor goes far beyond price,” said Joy. “It is about providing clarity, feasibility, and long-term perspective while respecting the personal significance of the decisions being made.”

Joy has also demonstrated exceptional strategic skill in highly competitive environments. In the past year, she successfully represented buyers in three separate multiple-offer situations, securing properties through careful positioning, precise timing, and a deep understanding of seller motivations. Rather than relying on aggressive escalation, Denton structures offers that stand out for their strength, certainty, and clarity, protecting long-term value while delivering winning outcomes.

Her broader philosophy centers on operating as a true advisor rather than a transactional broker. Joy combines data-driven pricing, bespoke storytelling, and targeted global exposure with access to a trusted off-market network, allowing clients to buy or sell quietly when discretion, timing, or strategy matters most. Privacy is treated as a core asset, alongside price.

Equally central to her work is a negotiation style defined by calm, discipline, and insight. By understanding both the numbers and the human motivations on each side of a transaction, Joy creates leverage while minimizing friction. Clients benefit from concierge-level service, proactive communication, and strategies that are tailored rather than templated.

Looking ahead, Joy remains focused on elevating the advisory side of her business even further across her exclusive Beverly Hills and Los Angeles ZIP codes. She closely tracks global capital flows, interest rate normalization, and lifestyle-driven migration trends shaping ultra-luxury real estate, particularly in supply-constrained markets like Beverly Hills. Her priority remains consistent across every market cycle: protecting client interests, maximizing long-term value, and ensuring decisions are made from a position of strength.

“Joy exemplifies the kind of thoughtful leadership and integrity that Unlisted was built to support,” said Katie Hill, founder of Unlisted. “She brings experience, discretion, and judgment to every situation, and her early partnership helped shape the foundation of our network.”

As she continues to advise discerning clients across her exclusive Beverly Hills and Los Angeles markets, Joy’s work remains grounded in trust, consistency, and long-term relationships, many of which span years and generations. Her success is defined not only by record-setting results, but by the confidence and stability she provides in moments when experience matters most.

To learn more about Unlisted, visit UnlistedHomes.com. For Unlisted for Agents, visit UnlistedHomes.com/Agents.

To learn more about Joy, visit her Unlisted Profile or JoyDenton.com.

About Unlisted

Unlisted unlocks the potential in homes that aren’t for sale — yet. The company empowers home buyers to join the Waitlist for homes they love that aren’t for sale — in other words, unlisted. At the same time, homeowners collect a Waitlist of interested buyers for whenever the time comes to sell, giving everyone a head start. Unlisted also allows homeowners to control how their home is presented online; they can create a stunning up-to-date property profile that shows off the home’s best features and attracts more interest. With more time and more connection, Unlisted is a more human way to explore real estate that drives better outcomes for all. Selected for TechCrunch’s 2025 Startup Battlefield 200 as one of the top tech startups globally, and backed by HearstLab, Hearst Newspapers, VC414, StageNext Fund, and prominent angel investors, Unlisted gives buyers a competitive edge in today’s challenging housing market. For more information, visit UnlistedHomes.com.

Media Contact

Maura Racz
maura@unlistedinc.com

A capsule-laying ceremony was held on the shores of Issyk-Kul Lake in the Issyk-Kul Region, officially marking the start of construction of the Tamchy Special Financial Investment Territory (SFIT), a state-owned development project established under the special legislation of the Kyrgyz Republic.

The Tamchy SFIT is designed as a dedicated investment territory aimed at supporting international business activity through a structured institutional and legal framework. The project includes a dispute resolution center operating under principles of English law and offers residents access to a range of support services, including legal and financial assistance, visa facilitation, customs services, and property management.

Spanning a total area of approximately 5,965 hectares, the Tamchy SFIT integrates multiple functional clusters, including a financial and business hub, a logistics and service area, an international airport, and a tourism cluster located on the shores of Issyk-Kul Lake, covering up to 100 hectares. The territory is intended to operate as a one-stop investment ecosystem with a focus on finance, fintech, and innovation, supported by investment incentives established under applicable legislation.

Project Development Indicators

1. Phase I Implementation (2026–2027)

• Construction of facilities totaling 51,000 square meters, including logistics infrastructure, planned for completion by 2027
• Commissioning of the first office building with a total area of 3,850 square meters, scheduled for 2026

2. Long-Term Development Targets (by 2035)

• Total development area projected to reach 470,000 square meters
• Number of resident companies expected to exceed 3,900

3. Socio-Economic Impact (2026–2035)

• Creation of more than 10,000 jobs
• Annual tourist flow projected to exceed 92,000 visitors
• Expected contribution to the long-term economic development of the Kyrgyz Republic

“Promoting investment into the Kyrgyz Republic’s economy is a key priority of state policy. Today, we are establishing a straightforward and competitive institutional environment for international businesses,” said Adylbek Kasymaliev, Chair of the Cabinet of Ministers of the Kyrgyz Republic and Head of the President Office of the Kyrgyz Republic.

“The Tamchy SFIT offers investors long-term predictability, a modern legal framework, an independent dispute resolution mechanism, and a fully developed ecosystem where companies can operate and grow. Projects like this contribute to sustainable economic development and job creation while strengthening the Kyrgyz Republic’s position as an open and reliable investment destination,” Kasymaliev added.

The initial concept for the project was developed by the Kyrgyz Republic with support from international investment consulting firms, including Singapore-based Makara Capital. The framework draws on institutional practices observed in established international financial centers.

“International financial hubs have demonstrated the importance of strong institutions, predictable laws, and transparent business rules,” said Ali Ijaz Ahmad from Makara Capital. “The Tamchy Special Financial Investment Territory is being developed with these principles in mind while leveraging the Kyrgyz Republic’s strategic geographic location at the crossroads of Eurasian markets and the natural potential of Issyk-Kul.”

For more details, contact Ministry of Economy and Commerce of the Kyrgyz Republic:

720040, Bishkek, Abdumomunov St, 207
Telephone: +996 (312) 62-05-35 (ext. 240, 163, 266, 267)
Fax: +996 (312) 66-18-37
Website: https://mineconom.gov.kg/en

Media Contact

Ministry of Economy and Commerce of the Kyrgyz Republic
mail@mineconom.gov.kg

William J. Lyons IV, founder of Company 4, announced the expansion of several initiatives focused on youth athletics, nonprofit programming and technology development. This move includes the rapid approval of a new nonprofit foundation, the rollout of additional athletic development events, and the advancement of a consumer-focused technology project in Texas. Lyons aims to increase accessibility in youth sports while scaling business ventures that support athletes and emerging brands.

Foundation Gains Nonprofit Status and Expands Programming

Lyons recently secured 501(c)(3) status for his National Hoops Foundation in less time than expected. “We were able to get streamlined to 501(c)(3) status,” he says. “They initially told us it would take six months; it took less than two.” As a result, the organization began accepting donations and expanding its event offerings.

The increased funding helps offset the rising participation costs for families. The nonprofit focuses on reducing financial barriers for youth athletes through training opportunities, mentorship, and development programs. “There’s going to be probably 15 events, which is the most that we've done in a year, usually we just held two large events annually prior to this shift to the non-profit side of things,” Lyons said.

The programming will include training classes, college showcases, camps, clinics and mentorship opportunities for student-athletes. The organization will also hold fundraising events and community outreach initiatives to build sustainability. These endeavors will help the nonprofit expand its mission across the New England basketball community, and eventually to other regions of the country, including Florida, Nevada, Arizona, Texas, Ohio and California.

Addressing Rising Costs in Youth Sports

Families face growing financial challenges in competitive athletics. “Every time I hear about how much something costs, I'm shocked,” Lyons says. “And the parents have to go pay to park and then pay to watch them play.” The National Hoops Foundation and brand aims to ease those burdens while improving access to skill development and recruitment opportunities.

The foundation's funding model is designed to reduce out-of-pocket expenses for families. Additionally, it sets out to create more equitable opportunities for student-athletes to gain exposure and training. The initiative builds on Lyons’ previous work through the National Hoops Academy. That program conducts camps and clinics across the United States and helps high school players get noticed by college recruiters.

Technology and Business Ventures Continue to Grow

Alongside nonprofit expansion, Lyons is advancing a major consumer-focused project in Texas called MOODS. The project aligns with his academic background in business management and consumer behavior. It also reflects the goals and aspirations of Lyons’ original endeavor, Company 4, and the broader ambition to help brands refine their market positioning and product strategy. “We're going to be all over the country as we get a better understanding of our users and the product that we're offering, and how it's being received,” he says.

Company 4 continues to support startups and established organizations. The firm provides marketing strategy, partnership development and fundraising guidance. Lyons also integrates internship opportunities for student-athletes. He offers hands-on professional experience while maintaining a structured and supportive environment.

“We're able to have a couple of interns working for me right now for some college credit and a little bit of payment,” Lyons says. “We’re getting them introduced to the real world before they get out there and see how crazy it can be.”

Building Long-Term Impact Across Industries

Lyons founded Company 4 in 2017 after holding leadership and consulting roles across marketing, partnership development and brand strategy. His experience includes positions with Samsung Mobile, consulting firms and startup ventures across multiple industries.

Looking ahead, Lyons plans to expand Company 4’s influence while strengthening its role in youth development and nonprofit programming. The foundation and business ventures reflect a long-term commitment to improving access, education, and opportunity for young athletes and emerging entrepreneurs.

Through expanded programming, technology innovation and business strategy support, Lyons aims to create sustainable pathways for growth across sports and business communities.

About Company 4

Company 4 is a group of passionate and driven problem solvers, who, through their respective careers, developed the core beliefs in the importance and ability to deliver simple, measurable, and consistent metrics. The mission of Company 4 is to combine experience and innovation in creating scalable solutions to real problems. Ranging from disruptive start-ups competing in their various market space, to established, larger organizations looking to re-focus and optimize. Our collective experiences allow us to provide solutions seen by companies at all stages of development. For more information, visit company4.co.

About William J. Lyons IV

William J. Lyons IV is the founder of Company 4, where he specializes in marketing strategy, business development, partnership and fundraising for startups and established brands. He has built a diverse career that includes leadership and consulting roles across industries, including marketing initiatives and partnerships at Samsung Mobile. Lyons is also the founder of the National Hoops Academy, which supports student-athletes through training, mentorship and college recruitment exposure. In addition to his professional work, he is committed to philanthropy and youth development. In this capacity, he focuses on expanding access and opportunities in athletics and education.

Media Contact

William J. Lyons IV
will@company4.co

Aspire Fertility Austin, a premier provider of best-in-class fertility services, congratulates Dr. Deborah Ikhena-Abel and Dr. Angela Kelley on being named 2026 Castle Connolly Top Doctors.

Castle Connolly Top Doctors represent the top 7% of all U.S. practicing physicians. Dr. Ikhena-Abel and Dr. Kelley earned this recognition from a pool of over one million U.S. doctors.

Castle Connolly Top Doctors are nominated by their peers, after which the Castle Connolly research team evaluates specific criteria to determine who should qualify as a Top Doctor, including consideration of each nominee’s professional qualifications, education, hospital and faculty appointments, research leadership, professional reputation, disciplinary history, interpersonal skills, and outcomes data. The recognition methodology has been vetted and endorsed by the Castle Connolly Medical Advisory Board.

Each of Aspire Fertility Austin’s physicians is a board-certified Reproductive Endocrinologist and Infertility Specialist (REI), dedicated to delivering compassionate, individualized fertility care grounded in the latest advances in reproductive science and technology. The clinic is part of The Prelude Network® (Prelude), the largest network of fertility clinics in North America. Its team of innovative and empathetic reproductive endocrinologists spend real time with each family to understand their goals and develop personalized treatment plans. In total, 48 physicians across Prelude were named 2026 Castle Connolly Top Doctors.

“We’re grateful to our peers for this nomination and to Castle Connolly for recognizing our work,” said Dr. Kelley. “It’s an honor to serve our patients and provide the highest quality reproductive care.”

Dr. Ikhena-Abel continued, “It’s a privilege to use our expertise to help our patients overcome their fertility challenges and educate them on their fertility options. We thank Castle Connolly for recognizing what we do on behalf of our patients.”

Prelude is the clinical network of Inception Fertility™ (Inception), a family of fertility brands and the largest provider of fertility services in North America, and its physicians include innovators in fertility care who have pioneered some of today’s most advanced reproductive technologies, including vitrification, fertility preservation, and preimplantation genetic testing (PGT).

About Aspire Fertility Austin

Part of The Prelude Network (Prelude), the largest network of fertility clinics in North America, Aspire Fertility has been helping individuals and couples build their families for 30 years. With locations in the Austin, Dallas, Houston, and San Antonio metropolitan areas, the Aspire family of clinics provides five-star fertility care to patients, led by industry experts who are on the leading edge of reproductive medicine. They offer a full spectrum of comprehensive female and male fertility care, including IVF, egg freezing, genetic screening (PGD/PGS), egg donation, surrogacy and LGBTQ+ fertility. For more information, visit www.aspirefertility.com.

About The Prelude Network

The Prelude Network (Prelude), the fastest-growing network of fertility clinics and largest provider of comprehensive fertility services in North America, is the clinic network of Inception Fertility — a family of fertility brands that touches every part of the fertility journey, including diagnostics and treatment to financial accessibility.  Each clinic, as part of Prelude, is committed to delivering the highest level of personalized fertility care by the nation's leading reproductive endocrinologists, embryologists and practitioners by focusing on an excellence in science, medicine and the patient experience.  The growing Prelude Network has more than 90 total locations nationwide, offering a wide range of fertility services including egg freezing, IVF, genetic testing, LGBTQ+ fertility options, and egg/embryo storage, among others.  Clinics within Prelude include Aspire Fertility Austin (Texas); Aspire Fertility Dallas (Texas); Aspire Fertility San Antonio (Texas); Aspire Houston Fertility Institute (Texas); Advanced Fertility Center of Chicago (Illinois); Center for Reproductive Medicine (Florida); Indiana Fertility Institute (Indiana); IVFMD (Florida); Main Line Fertility (Pennsylvania); NYU Langone Fertility Center (New York); NYU Langone RSNY (New York); Pacific Centre for Reproductive Medicine (Canada); Pacific Fertility Center (California); Regional Fertility Program (Canada); Reproductive Biology Associates (Georgia); Reproductive Science Center of New Jersey (New Jersey); Tennessee Fertility Institute (Tennessee), and The Reproductive Medicine Group (Florida). For more information, visit www.preludefertility.com.

About Inception Fertility

Inception Fertility (Inception) is a family of fertility brands committed to helping patients build their own families. Built by patients for patients, Inception's purpose is to achieve the highest bar in experience, science and medicine in an effort to enhance each patient's experience and achieve better outcomes. Inception's medical experts are leading pioneers in fertility care. Our doctors are some of the first to use breakthrough assisted reproductive technologies (ART) — including in vitro fertilization (IVF), preimplantation genetic testing (PGT) and fertility preservation services — and they continue to lead the industry by building on these technologies by through development, research and thought leadership. Through its growing family of national organizations — which includes The Prelude Network, the fastest-growing network of fertility clinics and largest provider of comprehensive fertility services in North America; MyEggBank®, one of the largest frozen donor egg banks in North America; BUNDL Fertility™, a multi-cycle fertility service bundling program;  HavenCryo™, a long-term reproductive preservation and storage solution provider and NutraBloom®, a premium lifestyle brand with expertly formulated supplements to support individuals' health and wellness goals for preconception — Inception is working to deliver on its promise to push the envelope of what is possible for exceeding patient expectations. For more information, visit www.inceptionfertility.com.

Media Contact

Mia Humphreys
MHumphreys@kruppagency.com

PileMate announces the success of its comprehensive marine protection system, setting a new standard in marina safety by offering a solution to ice jacking, which often affects marina owners because of freezing water that can threaten the integrity of structures like docks, pilings, and retaining walls from the seabed. The consequences of this may neither be minor nor inexpensive, potentially paving the way for ejected pilings, emergency marine contractors, barges, and cranes.

For Dimitri Lemonides, a Brooklyn native and Sag Harbor-based innovator, these challenges presented an opportunity to rethink how marinas protect their assets against ice and storm surges. That two-decade mission culminated in floating sleeves that deliver passive protection, built to offer resilience in all weather and tidal conditions.

“We kept hearing the same question: how do we stop ice from damaging pilings?” Lemonides recalls. “This was back in 2005. That winter, we tested a few prototypes, and they worked. Over the last 20 years, we’ve deployed these systems across marinas, and the original units are still in service.”

Ice jacking, he explains, occurs when a marina’s ice sheet freezes around a piling and, as it expands, it can exert a force strong enough to extract it from the seabed entirely. As someone who has remained at the heart of the matter, Lemonides observes that marina and property owners often face three options heading into winter: run electric propellers or fans underwater to circulate warmer water and prevent surface freezing, leave the pilings unprotected and absorb the damage in the spring, or invest in a passive protection system. In the face of these choices, Lemonides believes that the first two are commercially and environmentally indefensible.

“There is a huge amount of infrastructure and carbon footprint that is at stake due to the electricity used to run the propellers,” he says. “Rivers that use fans underwater might still have ice damage because the fans can’t keep up with the cold weather.”

Observing these bottlenecks, Lemonides positions the third option as the solution, one offered by PileMate. He explains, “The PileMate Marine System is designed to passively protect the piling with a plastic sleeve.” According to him, each piling sleeve, available in 12”, 15”, and 18” diameters and spanning ten feet, are strategically placed and installed with two feet below the waterline and eight feet above with an aim to create a floating barrier that passively separates the exterior ice sheet from the interior of the piling. The system, Lemonides insists, can eliminate the need for electricity, potentially removing the energy, carbon costs and further expenses related to that maintenance that other methods may incur.

He points to an example of a marina that operates 90 underwater electric propellers, each 0.75 hp, to prevent freezing. “It costs $16 an hour in electricity to run all the machines, which might burn about six gallons of oil every hour during the winter months,” he explains. “For a 45-day freeze season, that’s roughly 7000 gallons of oil for one marina, and it still may not fully protect the pilings.” To address what he believes to be a mechanical blockage, he highlights that PileMate’s sleeves are designed to eliminate all ice-related ejections, with no electricity consumed and no operational disruptions, underscoring the environmental imperative of adopting a passive marine protection system.

Further honing in on its mechanical ingenuity, Lemonides highlights that PileMate’s system uses a plastic sleeve with integrated flotation, designed to allow the PileMate to move with the ice instead of resisting it. “As the flotation floats the PileMates up and down, it can absorb the stresses of freezing and thawing. It’s a zero-maintenance, high-impact solution that does not require a crane or barge for seasonal repairs,” he explains. For marina operators, Lemonides observes that this can translate to operational certainty and potentially reduce labor demands.

Additionally, he highlights the system’s predictable performance, noting how it can transform how property owners and marina managers plan for seasonal transitions. Client testimonials have reinforced his perspective, with one stating: “I’m grateful for the installation of the PileMate system at the Northampton Colony Yacht Club. We came through the big freeze of 2026 with no problems at all, no need to run bubbles or fans, zero energy cost, and 100% satisfaction.” Lemonides also highlights that the system offered robust protection during the North Easter blizzard, informed by his client, who has integrated PileMates for 15 years.

After decades of iterative design, field testing, and product validation, Lemonides positions PileMate as a paradigm shift in marina engineering. He entered the industry with the purpose of addressing the longstanding problem of ice jacking, and today, with a passive and environmentally conscious solution, he considers that purpose achieved.

“My team and I have created a system that can anticipate natural forces instead of battling them, and I believe that alone can offer marinas a rare combination of reliability and sustainability,” he shares. “Our goal has always been clear: provide a solution that works, endures, and protects,” Lemonides says. “PileMate can be that peace of mind for marina operators and dock owners everywhere.”

About PileMate

PileMate is an innovative marina protection system designed to safeguard docks, pilings, and boats from year-round ice jacking, storm surges, and marine borers while optimizing marina capacity and tie-off convenience. Built over two decades ago and proven in marinas worldwide, the U.S.-made solution delivers reliable protection and peace of mind for boat owners and waterfront facilities alike. For more information. visit www.pilemate.com.

Media Contact

Dimitri Lemonides
dimitri@pilemate.com

Dr. Victory, a nationally respected physician and member of the Chief Medical Board of The Wellness Group, will lead clinical strategy, care quality, and medical governance across Wellness Care’s rapidly expanding national platform.

Her appointment comes as Wellness Care accelerates its mission to close the gap between clinical visits and everyday life, ensuring America's most vulnerable patients receive continuous, coordinated support after they leave a doctor’s office or hospital.

Only a small share of U.S. health spending goes toward preventive services and primary care, a system that has become reactive and focused on treating health crises. Wellness Care turns that on its head, emphasizing one-on-one preventative care to keep people out of the hospitals and to ensure that diseases are managed safely instead of waiting for the next health disaster.

For too long, there has been a vacuum of medical leadership within the Federal government, and Americans have suffered. No one is focused on providing direct care to Americans to navigate complex health conditions in a holistic sense. While the government myopically focuses recommendations on minor dietary changes, Wellness Care responsibly addresses the questions and concerns many Americans have about vaccines and other modern medical interventions. We need national medical leadership who is knowledgeable, compassionate, uncompromised by special interests, with decades of experience. That’s why Dr. Kelly Victory is leading Wellness Care, the people’s doctor. 

“Dr. Victory is the kind of physician our country needs more of,” said Madi Rawlins, chief executive officer of Wellness Care. “She combines medical excellence with courage, clarity, and an unwavering commitment to patients. As we scale nationally, Dr. Victory will serve as both our clinical compass and a trusted voice for the people we serve.”

Dr. Victory will address the nation on a regular basis with critical updates on personal and public health. As the architect of Wellness Care, a Medicare-covered program for chronic care management, Dr. Victory leans on the latest research to fill America’s dire need for factual, science-backed health recommendations as they try to navigate the complex healthcare landscape.

“Wellness Care represents what medicine was always meant to be: personal, accountable, and rooted in real relationships,” said Dr. Victory. “Too often, patients feel abandoned between appointments or overwhelmed by a fragmented system. We are building a model that restores continuity, empowers patients, and ensures that someone is truly walking alongside them in their healthcare journey.”

Headquartered in Dallas, Texas, Wellness Care operates from a 25,000-square-foot state-of-the-art facility supporting its national care coordination team and infrastructure. Care delivery is powered by the platform that integrates registered nurses, nurse practitioners, clinical pharmacists, and behavioral health specialists into unified care teams focused on chronic care management and transitional support.

Under the leadership of CEO Madi Rawlins and Founder Foster Coulson, Wellness Care is pursuing an ambitious national growth strategy with a goal of managing more than 100,000 patients by the end of 2026.

Dr. Victory’s appointment further strengthens Wellness Care’s commitment to clinical excellence and reinforces its position as a new standard-bearer in integrated, patient-centered healthcare.

About The Wellness Group

The Wellness Group is a health and human services organization dedicated to improving population health through innovative solutions that integrate clinical care, behavioral health, wellness, pharmacy services, and community support. Its mission is to create a connected ecosystem where prevention, precision, and personalized care work in harmony to help individuals live longer, stronger, and healthier lives. For more information, visit twg.health.

About Wellness Care

Wellness Care is a next-generation chronic and transitional care management platform powers one-on-one preventative care delivery, ensuring diseases are managed safely for America’s most vulnerable populations. Through coordinated care teams, advanced technology, and outcomes-based accountability, Wellness Care ensures patients receive continuous support — not episodic care. For more information, visit wellnesscare.health.

Media Contact

Alyssa Pfitscher
Account Director, Krupp
apfitscher@kruppagency.com
+1 845-594-7290

Finelo, the award-winning financial education platform, today announced it has surpassed 1.5 million learners worldwide and crossed 8.8 million lessons completed — a milestone the company says reflects growing global demand for structured, practical financial education. The announcement comes as U.S. household debt hits $18.59 trillion, according to the Federal Reserve, with credit card balances, short-term loans, and buy now, pay later spending all reaching historic highs.

Unlike traditional financial education tools that teach concepts in isolation, Finelo was built from the ground up to bridge the gap between learning and real-world application. Central to that design is its AI Chart Analyzer — a built-in feature that lets learners study live market patterns, evaluate trade scenarios, and stress-test their instincts in a risk-free environment before ever committing real capital. Combined with a library of more than 300 bite-sized lessons available in 10 languages, interactive simulations, and structured learning challenges, Finelo was engineered to give everyday users the kind of analytical edge that was once the exclusive domain of professional traders.

"Household debt is rising at a pace that many people are not prepared to manage," a Finelo spokesperson said. "We built Finelo to help users understand how money works in real life — not to chase hype, but to build skills that support stability and informed decision-making."

A Platform Built for This Moment

Finelo's growth comes at a time when financial confidence among everyday Americans is weakening. Consumer surveys show that nearly one-third of Americans expect their financial situation to worsen in 2026, marking the most pessimistic outlook since 2018. At the same time, research cited by Investopedia shows that fewer than half of U.S. households can cover a modest emergency expense without relying on credit.

Named "America's Best Online Platform for 2025" by Newsweek and Statista for excellence in education and learning, Finelo has built a 4.7-star average rating across iOS, Android, and Web — a signal that learners are finding real, practical value in structured financial skill-building.

Misinformation Drives Risky Financial Behavior

Many younger adults now turn to social media for financial advice. Studies show that most people under 35 rely on online influencers for investing tips, even though these sources often do not clearly explain the risks or their own incentives.

Finelo's approach is different. Rather than following trend-driven content, users move through guided lessons, simulations, and practice environments where they can test decisions without risking real money. The platform's AI Chart Analyzer extends that model — giving learners access to market insights and pattern recognition tools that were previously reserved for more experienced traders.

"Financial tools are widely available," the spokesperson said. "What's missing is a clear, structured way for people to learn how risk, leverage, and long-term planning actually work together."

Skill-Based Learning at Scale

Finelo's 28-Day Trading Challenge — one of its flagship programs — uses short, interactive lessons and daily practice exercises to help users build financial habits over time, rather than chasing quick results. Learners earn XP, badges, and streaks that reinforce consistent engagement with material covering personal finance fundamentals, market mechanics, and risk management.

With over 300 lessons now available in 10 languages, Finelo has scaled its reach across markets where access to quality financial education has historically been limited. The platform's mobile-first design reflects its commitment to making that education accessible to everyday users — not just those with formal financial backgrounds.

Looking Ahead

With household debt still elevated and economic uncertainty heading into 2026, Finelo believes financial literacy has become a foundational life skill.

"Learning how to manage money, understand markets, and assess risk is no longer niche," a Finelo spokesperson said. "It's essential. Our goal is to make that education accessible, practical, and relevant to everyday financial decisions."

About Finelo

Finelo is an award-winning, mobile-first online learning platform that helps beginners and aspiring investors build real-world money and trading skills. Named "America's Best Online Platform 2025" by Newsweek and Statista, Finelo has reached more than 1.5 million learners worldwide with gamified lessons, risk-free simulations, AI-powered tools, and hands-on learning challenges. With over 300 lessons available in 10 languages and more than 8.8 million lessons completed, Finelo teaches decision-making, risk awareness, and long-term financial habits for today's complex financial world. For more information, visit finelo.com.

Media Contact

Anthony Mafuta Mayilamene
anthony.mayilamene@finelo.com

U.S. household debt hit $18.59 trillion in 2025, according to the Federal Reserve. Credit card balances, short-term loans, and buy now, pay later spending all contributed to a historic record. With more Americans feeling financial pressure after the holiday season, Finelo is placing greater emphasis on practical money and investing education. The goal is to help people build essential financial skills before they take on risk.

Finelo, a leader in global edtech, offers online lessons, simulations, and interactive challenges that cover the basics of personal finance, investing, and trading. The company believes that rising debt and financial misinformation make it more important than ever to teach decision-making, risk awareness, and long-term financial habits.

“Household debt is rising at a pace that many people are not prepared to manage,” a Finelo spokesperson said. “We built Finelo to help users understand how money works in real life — not to chase hype, but to build skills that support stability and informed decision-making.”

Rising Debt Highlights Gaps in Financial Preparedness

Consumer surveys show that financial confidence is weakening. Nearly one-third of Americans expect their financial situation to worsen in 2026, marking the most pessimistic outlook since 2018. At the same time, research cited by Investopedia shows that fewer than half of U.S. households can cover a modest emergency expense without relying on credit.

Finelo points out that while people have more access to financial products, many do not fully understand how to use them responsibly.

Misinformation Drives Risky Financial Behavior

Many younger adults now turn to social media for financial advice. Studies show that most people under 35 rely on online influencers for investing tips, even though these sources often do not clearly explain the risks or their own incentives.

Finelo offers a different approach from trend-driven content. The platform provides guided lessons, simulations, and practice environments where users can test decisions without risking real money.

“Financial tools are widely available,” the spokesperson said. “What’s missing is a clear, structured way for people to learn how risk, leverage, and long-term planning actually work together.”

Shift Toward Skill-Based Financial Education

Finelo uses short, easy-to-follow lessons and interactive exercises that help people build good financial habits, not just chase quick results. Instead of pushing speculation, the platform teaches users how to think through decisions, manage risk, and understand how markets work before trying out strategies in real life.

Finelo’s users include both beginners and people with some experience who want to build stronger financial skills and confidence.

Positioning for a Changing Financial Landscape

With household debt still high and the economy uncertain heading into 2026, Finelo believes that financial literacy is now a basic life skill, not just something extra.

“Learning how to manage money, understand markets, and assess risk is no longer niche,” a Finelo spokesperson said. “It’s essential. Our goal is to make that education accessible, practical, and relevant to everyday financial decisions.”

About Finelo

Finelo is an award-winning, mobile-first online learning platform that helps beginners and aspiring investors build real-world money and trading skills. Named "America's Best Online Platform 2025" by Newsweek and Statista, Finelo has reached more than 1.5 million learners worldwide with gamified lessons, risk-free simulations, AI-powered tools, and hands-on learning challenges. With over 300 lessons available in 10 languages and more than 8.8 million lessons completed, Finelo teaches decision-making, risk awareness, and long-term financial habits for today's complex financial world. For more information, visit finelo.com.

Media Contact

Anthony Mafuta Mayilamene
anthony.mayilamene@finelo.com

Tether Investments announced today a strategic investment in Whop, the world’s largest internet market where people can create, connect, and transact in one place. For Tether, this alignment reflects a continued focus on extending stablecoin infrastructure into real economic activity and empowering people at scale. Connecting with Whop’s global network enables faster, more efficient dollar settlement for millions of creators and users who will have the option to choose between USD₮ and USA₮ especially in markets where existing payment systems introduce unnecessary friction and cost.

In addition to Tether’s investment in the platform’s growth, Whop will utilize Tether’s Wallet Development Kit (WDK) to offer creators and users faster, more efficient global payments while allowing them to retain direct control over their funds, removing many of the frictions associated with traditional payment infrastructure. The framework enables seamless on-chain settlement and supports Whop’s vision of creating a more flexible, internet-native economy where value moves as easily as digital content. The integration of WDK further positions Whop as a new self-custodial digital wallet for its community, powering features like lending and borrowing through modern DeFi primitives.

“Stablecoins and wallets become most powerful when they are embedded directly into people’s lives, supporting their businesses, activities, families and individual stories.” said Paolo Ardoino, CEO of Tether. “Our investment in Whop proudly reflects Tether’s focus on supporting real economic activity by providing efficient digital dollar and wallet infrastructure that can scale to billions of people, across every continent. By integrating Tether’s Wallet Development Kit, WDK, Whop can offer users faster global payments and more reliable financial tools, driving growth, individual, family and community self-sufficiency and financial inclusion. Whop is the future of the Internet Markets.”

The platform currently supports more than 18.4 million users, with participants earning approximately $3 billion annually. Growth continues to accelerate, with gross transaction volume increasing roughly 25% month over month, reflecting strong global demand for efficient payment infrastructure. With Tether’s investment and stablecoin technology, Whop is positioned to further scale this momentum by enabling seamless digital dollar settlement for a rapidly expanding international base of creators and entrepreneurs.

This latest funding round will support aggressive international expansion across LATAM, Europe, and APAC, while helping build new financial infrastructure for an already global user base and introducing advanced AI tools designed to enable agentic income opportunities for the next generation of internet entrepreneurs.

“With Tether’s investment, we’re accelerating our vision to build the world’s largest internet market - where anyone in the world can create, connect, and get paid instantly.” said Steven Schwartz, CEO and co-founder of Whop. “The next generation of business on the internet is global from day one, and payments need to move as freely as the internet itself. This partnership strengthens the financial backbone of our platform, aligning our infrastructure with a future where people can operate across the globe and build sustainable income — regardless of where they live or what currency they use.”

Together, Tether and Whop aim to expand access to stablecoin-powered payments by connecting Whop’s platform with Tether’s broader ecosystem reach, which today stands at more than 530 million users globally and offering unparalleled liquidity with more than 180 billion dollars of issued digital dollars. By leveraging Tether’s technology and global distribution, the collaboration is designed to onboard new users at scale while enabling faster, more efficient payment experiences across a growing international network.

About Whop

Whop is a financial technology company on a mission to provide the world with sustainable income. Our vision is to create the world’s largest internet market, where people can create, connect, and transact all from a single platform. Whop enables individuals and businesses to accept payments, launch ventures, and engage with others across the network. Today, Whop facilitates over $3 billion in annual payouts to people in 144 countries. For more information, visit whop.com.

About Tether Investments

Tether Investments is the independent investment arm of Tether, the largest company in the digital assets industry. Based in El Salvador, the firm deploys capital from Tether’s profits and excess reserves across a wide range of sectors where technology, infrastructure, and real-world utility intersect. Its portfolio includes investments in artificial intelligence, financial services, energy, biotechnology, education, and digital media, as well as strategic stakes in industries such as commodities, remittances, and sports and entertainment. Tether Investments supports ventures with long-term potential to improve access, efficiency, and resilience in both emerging and developed markets. Its work supports Tether Group’s broader mission to strengthen decentralized systems, promote infrastructure resilience, and expand real-world access to open, transparent technologies. For more information, visit tether.io.

About WDK by Tether

WDK by Tether is an open-source Wallet Development Kit designed to simplify and accelerate the creation of hyper-secure, self-custodial wallets. Built to support Bitcoin, Lightning, USD₮, XAU₮, and USA₮, WDK by Tether offers modular, ecosystem-agnostic infrastructure that can be extended to support any blockchain or digital asset. With built-in USDt0 technology, DeFi primitives, and cross-chain interoperability, WDK empowers developers, institutions, and even sovereign nations to build independent, white-label wallets without reliance on centralized providers. It provides the foundation for a future where humans, connected devices, and AI agents can securely hold and exchange value across open networks. WDK by Tether is available for free, with no fees or restrictions, at wallet.tether.io.

Media Contact

Press Contact
press@whop.com
+1 917-329-1552

Reassure Alliance Ltd. announced it has completed a comprehensive Legal Assurance Report confirming more than $25.5 million in verified assets and a zero-debt balance sheet. This strengthens its reputation for transparency and financial stability in the digital asset space. According to the company, the review was conducted on December 24, 2025, by LexLoom Legal & Tax and provides stakeholders with clear insight into the company’s financial foundation supporting its Buyback License program.

$25.5 Million in Verified Assets, Zero Liabilities

Reassure Alliance reported that, as of the reference date, the company had total assets of $25,586,145.67, with most assets held in USDT and other digital accounts with regulated third-party providers. The company reported zero liabilities, creating a fully equity-based capital structure. This model positions Reassure Alliance as a fully asset-backed entity. It addresses trust concerns common in the digital asset sector, where many firms lack transparent balance sheets.

Supporting the Buyback License Program

The verified $25.5 million reserve serves as the dedicated liquidity engine behind the company’s Buyback License program. This reserve supports hardware acquisition and repurchase obligations, ensuring that contractual commitments are backed by liquid capital.

Reassure Alliance adheres to a strict solvency mandate:

• Total contractual liabilities will never exceed the capital reserve.
• As participation scales, additional capital is injected to maintain surplus coverage.
• Every Buyback License is fully collateralized by liquid assets.

This “Dynamic Safeguard” model ensures the reserve remains sufficient and over-collateralized at all times.

Independent Oversight

LexLoom Legal & Tax reviewed account statements, exchange confirmations, and internal management records. The process verified both asset ownership and corporate control. The review also aligns with the International Bar Association’s Principles on Conduct for the Legal Profession, highlighting Reassure Alliance’s compliance-first approach. By voluntarily submitting to independent review, the company signals a move toward institutional-grade accountability in the Web3 sector.

Fast, Liquid Reserves

Keeping reserves primarily in USDT allows rapid execution of hardware repurchases. This approach avoids delays from traditional asset liquidation and maintains efficiency for participants. In a complex digital infrastructure environment, verified solvency, zero debt, and liquid reserves provide a stable, transparent foundation for stakeholders. With a $25.5 million reserve and zero liabilities, Reassure Alliance Ltd is creating a new model for asset-backed digital infrastructure. The Legal Assurance Report represents both financial verification and a commitment to transparency and operational resilience.

About Reassure Alliance

Reassure Alliance Ltd. is a digital infrastructure management firm specializing in high-performance computing hardware and capital protection solutions. The company bridges Web3 innovation with institutional-grade safeguards, providing hardware owners with structured value retention mechanisms and operational yield frameworks within the global data center economy. For more information, visit reassurealliance.com or follow on LinkedIn, X (Twitter), Instagram, Facebook, and CrunchBase.

The smartphone accessory market can feel crowded. Many products look the same. But TORRAS, a brand that aims to innovate, is now finding its own path. Their advanced Samsung S26 accessory ecosystem does more than just protect. It makes a statement. This isn't a small change; it's a significant one. Mobile accessories are becoming key tools for creative, professional, and stylish people, moving past basic utility.

The new Samsung S26 collection is a major refresh. It includes three main products: the OrigArmor Screen Protector, the Ostand Q3 Air Case, and the Ostand Q3 VegSkin Case. These were designed for current users. Many now view their devices as central to their work, connections, and personal brand.

Engineering Elegance: The Samsung S26 Ecosystem

The OrigArmor Screen Protector tackles the common frustration of screen glare head-on. It functions less like a standard film and more like a high-performance optical shield. By applying a 7-layer anti-reflective coating through magnetron sputtering, TORRAS has managed to sharpen screen clarity to a point where the display often looks better than the native glass under direct, harsh light. But it’s not just about how it looks. The 9H+ aerospace-grade glass gets a dual ion-exchange treatment. This hardens it against impacts that typically shatter screens.

Bulk shouldn't be the price of protection. The Ostand Q3 Air Case is designed around this principle, maintaining a slim profile while integrating serious defensive tech. The heavy lifting is done by AirMAX Airbag Technology — shock absorbers built into the corners to catch and disperse the force of a fall. The case carries a 3-meter drop rating. This means it’s built for real-world drops, not just perfect lab conditions. A 360-degree rotating kickstand is a smart addition. It folds flat when you don’t need it. But when deployed, it offers a solid anchor for hands-free video or media. It also works with wireless charging. No need to take the case off during the day.

For buyers who want both good looks and less environmental impact, the Ostand Q3 VegSkin Case offers an option. It uses a premium vegan leather. This material feels good and looks sharp, without the ethical concerns of traditional leather. The design shows that tough products can still be luxurious. TORRAS is moving into sustainable materials. This positions them well in a market that increasingly values responsible sourcing alongside high-performance design.

The Creator Economy and Mobile Style

“Phones aren’t just gadgets anymore. They’re part of us — our creative centers, our personal brands,” said a spokesperson at TORRAS. “Good protection and good design don’t have to be separate. They work together in a world where personal expression and digital life are linked. We’re making products for that future.”

TORRAS’s way of developing products and positioning itself in the market shows a big cultural change. A device’s usefulness now actually adds to its style. By focusing on the “Creator” identity, TORRAS is finding an important place in a future where mobile content shapes culture. Their accessories aren’t just for protection. They’re key upgrades for a generation that sees their smartphone as a professional studio, a personal canvas, and a strong tool for connecting.

About TORRAS

Founded in 2012, TORRAS is an innovative brand with a design-forward philosophy. The company’s user-driven approach and in-house R&D allow it to create tech accessories that push the boundaries of protection and usability. For more information, visit torraslife.com.